AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I purchased my first car on XXXX/XXXX/XXXX and financed it with Credit Acceptance Corp . I made my payments online on time in XXXX and XXXX XXXX using my debit card. On XXXX XXXX I was in an accident and immediately filed a claim. The car is a total loss. When I tried to make a payment on XXXX/XXXX/XXXX the payment was declined with no explanation. I tried several times without success. I called the company on XXXX/XXXX/XXXX and was told more than likely the insurance company had taken care of the loan. On XXXX/XXXX/XXXX I called the Credit Acceptance because the insurance company was still waiting to hear from Credit Acceptance. I was then told that I had missed XXXX payments and I had been reported to the credit bureau. I was told that when there is an accident you can not make payments using a debit card. I had no way of knowing this. I am attaching a copy of the message I received when I tried to make a payment. Today I tried to make the XXXX past due payments using two methods : debit card online and calling and neither method allowed me to make a payment. I wanted to take care of this as soon as possible because I need to purchase a car to get to my XXXX jobs but can not buy a new car with the credit report from Credit Acceptance. There is nothing in the payment coupon book that tells me I can not make a payment with a debit card if I have been in an accident. I want Credit Acceptance to accept my debit card payment and I want them to fix my credit report. I am young and this is my first attempt at establishing credit. I was diligent in making my payments in an accepted manner per the coupon book and coupon. Because I work XXXX jobs I can not wait on the phone to make the payments during their office hours which are Eastern Time ; I live in California. 
The insurance company on XXXX/XXXX/XXXX confirmed they are also waiting on Credit Acceptance for paperwork to pay off the loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: She called me a loser and told me she is going to garnish my wages. I sent a cease and desist letter on this debt, but she said it was sold to another company. She would not give me her name and has called me 6 times after I asked her to stop. I was able to obtain her number she was calling from. XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: i have tried to reslove a matter with usbank that a bad deposit was placed in my account that was not my doing they sent XXXX debit cards. i never made any deposit noone has responded to my complaints .. 

Company response: Company chooses not to provide a public response
Consumer complaint: The debt is not mine because I am and was not responsible on the lease. the lease was wholly in XXXX XXXX name. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was ordered to pay on a judgement for Account Brokers of XXXX County. I was garnished and they took {$2000.00} for a {$1200.00} work of debt. I pulled a credit report and show an {$18.00} collection for interest. I was not contacted by them and do n't have any accounts with them anymore or with XXXX XXXX XXXX XXXX or XXXX physicians which were the original medical collections. They have reported this to all XXXX credit bureaus as well. They have also refused to update the credit bureaus showing that I have paid off their collection accounts. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Experian put a " Security Alert '' on my account due to incorrect and false information they received from XXXX. XXXX purposely and maliciously assigned a non existant address to me. I have been fighting with XXXX for over a month about this and now they have reported the incorrect details to Experian and to XXXX. This matter needs to be solved and the false address completely removed from my account info ( on all three agencies ). XXXX XXXX does not exist. I live on XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: As you may know, I am a victim of identity theft. I have called and called and called this merchant SEVERAL times. Every time I call, the hold time is at least a half hour to an hour. I keep getting different answers/responses and keep getting transferred around to different departments. I also end up speaking to someone who has terrible XXXX, which makes me feel that my issue is n't being reported/handled correctly since they can not understand me well. This card was opened in my name about three years ago without my permission. I call every couple months to see what the status is. I do not know what is going on or what the status is, but they are somehow not correctly or effortly assisting me with this. I called and disputed charges in the mean time as fraud since it is more difficult to have this credit card removed from my name. While I am waiting, there is still more and more charges occuring. Luckily, the bank has shut down the card about 10 months ago. Although somehow there are a couple of merchants still being able to charge my card. I have called a few months ago and advised them that I recently noticed an unauthorized large payment ( approx. {$9700.00} ) come out XXXX of my bank accounts. They still have not returned this money to me! How can a payment be taken out of my bank account when it is closed and the card was opened it without my permission? Furthermore, there was checking accounts that was opened with this bank in my name also without my permission and they 're now overdrawn. I reported that to them and they denied it. I am getting very upset because this is not my account and money was taken out of my checking account. The bank also contacted me asking me if I was trying to access my account at a time that I was n't, hence how I know someone is stealing my identity. I can not even access my account online to see anything. PLEASE RESOLVE THIS! Sadly, I can only trust my government more than my bank. This is not 0 % fraud liability as they always say!!! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This is a follow up to complaint # XXXX where the bank USAA resolved the issue in my favor but as " revenge '' decided to deliberately disable my overdraft protection linked to my USAA credit card on both of my checking accounts. Customer service there following the complaint only got worse and more rude where they could n't answer the most simple of questions of when the hold policy would change as it applied to me because I was getting conflicting answers. They suddenly decided to do as I asked one day, refunding the interest charged on my credit card and lifting the hold policy but decided for some immature unprofessional reason to disable the overdraft protection on both of my checking accounts, which has now resulted in a {$29.00} overdraft fee from them on XXXX plus probably interest and a late fee from the credit card company requesting the payment. I really do n't understand why they ca n't be straightforward and professional instead of having a temper tantrum. The complaints will continue until they do the right thing without exceptions. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Filed previous case regarding Bank of America Home Loan # XXXX does not respond to the consumer regarding lending practice, and or questions protected by the Truth in Lending regulations and the standard Federal Reserve policies. Again the same issue as the XXXX previous complaints is each time the bank responds to our requests for information the specific questions asked are not addressed. Then when that is pointed out via certified mail the bank sends letters for a while with a new Resolution Specialist each time extending the date a resolution should be received. So they acknowledge there is a valid issue to address but they need more time. Then the same as the entire process with the mortgage sold from Countrywide and was a bad loan Bank of America has not responded to modification documents for four years on and off. They have lied in writing and on the phone on notified recorded calls. Again the last response was dated XXXX XXXX, 2016 copy attached to this complaint stated a resolution would be received by XXXX XXXX, 2016. That date has come and gone. There has been another XXXX documented and recorded phone calls and certified mail requesting an update. All have never been responded to. If I have to file multiple complaints for the same issue that there is no promised response from my lender this system is not helping the consumer. I have filed a complaint with XXXX XXXX XXXX, my Senator and Congressman and the Federal Reserve as well as the Attorney General. I am feeling that the Bank would get better response and assistance by this process. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I applied for a HAMP Tier 1 loan modification of my mortgage loan, which is secured by my primary residence located at XXXX XXXX XXXX, XXXX, MD XXXX. I transmitted my loan modification application on the required form " Request For Mortgage Assistance '', dated XXXX XXXX, 2015, to America 's Servicing Company, LLC, ( " ASC '' ), which is the servicer for Wells Fargo Bank, N.A., which is the agent for the lender XXXX XXXX. XXXX XXXX XXXX is the Home Preservation Specialist assigned by ASC to correspond with me regarding my loan modification application. On XXXX XXXX, 2015, I transmitted to XXXX XXXX, together with other documents, a Hardship Affidavit, which explains the hardships which caused my default on the subject mortgage loan and my need for a HAMP Tier 1 loan modification. In its letter, dated XXXX XXXX, 2015, which rejected my loan modification application, ASC refused to disclose to me what it refers to as the " complex NPV Formula '', as stated on p. XXXX, in the Paragraph entitled " About the calculation required by the program '', which formula ASC states that it used to deny my loan modification application. In addition, ASC has refused to disclose the manner in which it applied XXXX alleged factors to the alleged NPV formula. I have requested several times in writing that ASC disclose to me the NPV Formula and the manner in which the alleged XXXX factors have been applied to the NPV Formula. As recently as XXXX XXXX, 2015, I requested by letter that ASC disclose its NPV Formula, list the information which ASC inputted into the formula and the information which ASC stated that the U.S. Treasury requires ASC to combine with ASC 's information, and the " Treasury required information '' which ASC inputted into the NPV Formula. Again, ASC has refused to disclose the NPV Formula and the manner in which information and its XXXX factors have been applied to the NPV Formula. ASc has not responded to my letter, dated XXXX XXXX, 2015, in which I again made these reasonable requests. ASC has acted in bad faith throughout this loan modification application process. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Company is using unfair collection practices to obtain payment for a debt. 
Company calls multiple times a day and will not leave a voicemail. Any attempt to leave a voicemail is generally dead air. 
I informed company on two occasions, verbally XXXX XXXX, 2016, and via e-mail on XXXX XXXX, 2016, to only call MY PHONE ( therefore, removing my wife 's number and all other numbers associated with the loan with the exception of my cell phone ), provided the phone number and told them to leave a message. I would need to receive a voicemail in order to return a phone call. 
As of today, my wife continues to receive phone calls with no voicemails to either her phone or my phone. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Upon noticing that I had some unpaid tickets on my credit report I went had and contacted the collection agency to see how I can pay and get these reports removed from my credit report, I was told that I would need to pay {$190.00} to Professional Account MGM agency and they would take care of it, on XXXX/XXXX/16 my bank issued this agency the {$190.00} for ticket number XXXX - {$54.00}, ticket number XXXX - {$54.00} and ticket number XXXX - {$83.00} all together came up to {$190.00}. On XXXX/XXXX/16 this agency attempted to collect again {$54.00} for the same ticket number XXXX and {$10.00} for the same ticket number XXXX all together {$64.00}. When I contacted them to tell them I noticed they are trying to charge me twice for the same tickets they said if I can send them proof that I did sent the {$190.00} ( even though they knew well that they cashed the check ) they would rectify. I did send them proof from both my bank and I. Today, XXXX/XXXX/16 I received a response and now they are changing and claiming once again that I owe {$67.00} for the SAME TICKET NUMBER XXXX that I have already paid. Please help me as these people are trying to rip me off clearly! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: BB & T sent me a letter saying I have " delinquent credit obligations with BB & T ''. I only have XXXX open account with BB & T, it has a XXXX balance and has for over six months. It is not delinquent. The letter also says " We have told a credit bureau about a late payment, missed payment, or other default on your account '' There is no late payment on my credit file and my account has a XXXX balance so they have no right to do this. 

They have taken adverse action against me based off this information and I would like for them to remove all erroneous information from my account with them and from the credit bureaus. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Experian continues to deny me access to their online dispute feature. It 's been like this for the past couple of months. 

Each time I attempt to begin an online dispute, upload supporting documents, or gain access through a third party credit monitoring subscription program, Experian redirects me to a message stating " for security purposes we ask that you mail us your documents along with a government issued ID, etc. ". 

That message is getting extremely intolerable for me and I have my personal contact information to update, accounts to claim full responsibility on, account information to correct, and supporting documentation to provide along with it. 

Experian has by far the worst online dispute feature out of all three major credit reporting agencies. 

This must be changed. Surely I am not the only one experiencing this inconvenience. 

Experian expects an individual without a source of income, or available funds to go out to a store and purchase mailing envelopes and mailing stamps. 

I am unable to send Experian my information by mail because I do not have the money to purchase the items necessary to proceed with my dispute they 'd like to have mailed rather than submitted online. 

I would like to apologize to Experian for submitting this complaint against them, but they must realize that some individuals like myself, will not tolerate their delays they cause us with updating, and correcting our reports accordingly. 

I will pursue Experian 's online dispute feature correction of " security issues '' for myself, until I no longer have these error message pop up after clicking the submit button once I 've entered in my personal information. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Aargon Collections ( XXXX ) calls my work line ( XXXX ) on a daily basis. They ask for someone who is n't mean and I do n't know. I have used the automated system to say it 's not me. I have told numerous live operators it 's not me. Yet they still call. I talked to them again Friday and warned them I 'd file a complaint if they called again. They too promised I 'd be taken off the list, and yet I got another call today. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I paid XXXX dollars to an international merchant on XXXX XXXX 2016. I had enough money on the card to pay the merchant. I made the payment and the merchant received it, plus I used XXXX with the card. I do n't have any extra money in the XXXX account either. All the money is on the prepaid debit card. Two days later I receive a text message from netspend ( card company ) saying I had insufficient funds to pay the merchant. I asked the merchant several times if he received payment. He confirms that he did and sent my merchandise. I called the card company 4/5 times in the past weeks and they have no history of the transaction nor do they have a reason as why this might 've happened. Today on XXXX XXXX 2016 I reloaded the card with {$40.00} to buy something else. I get a text message instantly saying that I have paid the merchant that already sent my merchandise. So the money I just loaded onto the card was automatically taken out. Once again I contacted the merchant and he confirmed once again that he only received XXXX payment. I spoke to XXXX agents from netspend and they said they will put the XXXX dollars back no later than 6 hours. This was at XXXX time and it is now XXXX time. I made sure there was enough money for this transaction and I feel that I 'm getting scammed. Please resolve this issue as you see fit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I put a stop payment on a charge for cable that was not authorized and had already been taken from our account two weeks prior. I was told it would be stopped and not go through. Two days later it went through and created an over draft of XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am being threatened and harassed by XXXX and XXXX, and Bank of America, to be sued for a debt that was settled out inXX/XX/XXXX. 
BOFA traded my Home Mortgage Account Manager XXXX times during myrequests in order to run out of time for me to refinance my home to a more affordable payment. I ended up losing the home in account of this unethical treatment in a short sale. 
for {$430000.00} when I owed XXXX. That alone covered the cost of thedebt in question and I have not been returned my profits. 
Also, BOFA illegally deposited my XX/XX/XXXX income tax return checks right before closing out my accounts without my knowledge andconfiscated the account balances. 
This was a loss of over {$20000.00} which is more than the debt inquestion. 
BOFA was found guilty in court XXXX BOFA and they are refusing toreimburse me for the fraudulent charges as well as payfees, penalties, interest, punitive damages. 
I have been swindled out my life savings by this company. I need helpwith this unreasonable treatment brought on by this unethical company. 
Please Advise ... 

Company response: Company chooses not to provide a public response
Consumer complaint: Sallie Mae, pulled my co-signer 's credit report without authorization. They did this to pressure my co-signer into a payment 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I recently obtained a copy of my credit report and noticed XXXX tradelines from Financial Credit Network ( Medical ) I never have had an account with Financial Credit network, never received anything in the mail from them regarding this " debt ''. 

I am requesting under the Fair Debt Collections Practices Act that they validate this debt and prove that it belongs to me. Simply matching up numbers in a computer does not constitute a validation per FTC standards. 

I am suspecting that their intentions are fraudulent and malicious in nature and wanted to make the CFPB aware of the situation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On Tuesday, XXXX XXXX 2015 I deposited XXXX checks in my checking account at the Bank of America branch at XXXX XXXX XXXX XXXX in XXXX SC. XXXX check was for {$50.00} and the other was for {$200.00}, total amount being {$250.00}. The teller took the XXXX checks, verified my sifnature on the back of the checks, and then gave me a deposit receipt for {$250.00}. On Saturday, XXXX XXXX, I received a notice in the mail that they could n't find the check for {$200.00} and that amount was being deducted from my account. On Monday, XXXX XXXX, I stopped by the branch and spoke with the Branch Manager, XXXX XXXX XXXX. She passed me off to an assistant, XXXX XXXX. She called customer service while I was there and they confirmed that they can not find the check and told me the only recourse I have is to track down the person who wrote the check, have them put a stop payment on it, and send me another XXXX. 

Since I handed the checks to the teller and was issued a receipt, the lost check is an internal Bank of America error and I do n't see how this is my responsibility to track this down nor should I be penalized for their error. A credit of {$200.00} needs to be made back to my checking account 

Company response: Company chooses not to provide a public response
Consumer complaint: From My bank account they took money from several ATMs and made several purcharses, their are not mine and the bank does not to make responsible. I put the claim but the bank is not responsible, I have as prove that I did not take that money. Can you help me? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I disputed a charge on my account. That dispute was concluded in my favor. I closed my account fully paid off. 
Long after the account was closed ( like 5 months ) I recieved a bill for a rebill on my account. Upon calling Barclays, I was told they could not reverse the charge over the phone. They told me that I was expected to pay the amount billed and that I had authorized this charge. 
I had not authorized this charge. I asked them to read back the transcript of an earlier call. This transcript does not reflect the conversation I had with their dispute specialist. I did not give permission for a rebill. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been trying to get information to fix what problems are making my score decline in a very steady manner. I am paying Experian for credit monitoring because they made me pay for my report. I have looked again today to see my XXXX lose XXXX more points I signed up in mid XXXX it is XXXX XXXX they do not say in detail what brought my score down. It is ongoing with Experian I am sure these are unreliable reports and it is almost criminal I feel like I am paying to lose points when all am doing is trying to fix credit problems. It feels like if I say something or try to fix it, it just gets worse. It is scary writing this but I feel I need to say something. 

Company response: Company chooses not to provide a public response