AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: After refinancing my XXXX bedroom condo with US Bank, they sent me a request for proof of adequate insurance coverage. After sending my insurance documents ( via fax ), US Bank informed me my insurance coverage was inadequate and they were authorized to provide insurance for me. I told them I would contact my insurance carrier ( XXXX ) and increase my coverage to satisfy their demands. A XXXX way conversation was initiated and XXXX increased my coverage to satisfy their demands. Once all parties were satisfied with the increased coverage amount, I continued to make my monthly condo insurance payments to XXXX, however I recently recieved an itemized escrow statement from US Bank witch included an insurance payment for the exact amount I am presently paying XXXX bi-annually. I tried to explain to US Bank representatives that it was unnecessary for them to charge me for home-owners insurance since I pay for said insurance through XXXX and please refund my escrow payment. I was then told I signed specific documents during closing that allows them ( US Bank ) to provide me with adequate coverage and it was within their rights to do so. I tried to explain to them I satisfied the coverage through a third party insurer ( XXXX ). After being transferred to several different representative, I finally gave up my fight. Now I feel ; though I 'm not sure, I 'm paying twice for home-owners insurance. Once through my carrier ( XXXX ) and twice through ( US Bank ) escrow. Can you see my dilemma? 

Company response: Company chooses not to provide a public response
Consumer complaint: i never received a call, email or letter in the mail stating that i owed anything. I 'm an amateur in understanding credit and just recently looked at my credit report for the first time and do n't understant anything. But i saw a debt of collection on my credit report. so my question is, how do you pay off a debt and how would i know if its the only debt i need to pay? 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Back in 2008 I obtained an Payday loan. I then had to file for bankruptcy and then it got dismissed. Most of my debt form that bankruptcy it appears on my credit report. I attempted to pay this off as it states on my credit report that I owe {$130.00} to clear this off. I called to pay this off and clear the debt. They refuse to take the {$130.00} that they are reporting and now they want me to pay over {$500.00}. I have all the emails and correspondence of this attempts to settle and their response. I then decided to go to the office since I thought I could be easier once I was there to try to settle this matter XXXX more time. This was not possible and instead they claim they will settle with me for the amount of $ 300+. I informed them that this debt has been since 2008 and it would soon fall off my credit report but that I wanted to make the attempt XXXX more time to settle. They are reluctant in any changes. What upsets me is not only that I am trying to clear this off but that they provide the incorrect information and they still are adamant about settling. Why do they report XXXX amount and then ask for another? They claimed that if I did not settle for the amount they are asking that they will NEVER clear the title on the vehicle. I do not use that vehicle but all I want is to remove it from my credit report to improve my credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo has been contacting me to collect a payment for a private student loan I received when I attended XXXX XXXX University in XXXX XXXX, XXXX from XXXX to XXXX. I have discussed with debt collection reps that I am currently unemployed and can not make a payment at this time. I was able to defer my loan with in-school deferment while I attended University XXXX XXXX in XXXX to the end of XXXX for XXXX studies. But I am longer attending that school. I have applied to XXXX XXXX XXXX XXXX University and have been accepted for their XXXX XXXX XXXX XXXX Program for the XXXX XXXX. I will register for classes XXXX. I do not have any family members or friends who can help me make this payment or any payments for this loan. I have already asked family members to help me pay off my credit card debt and they are struggling to pay their own bills. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have written to Bank of America at least XXXX times pointing out that they are inaccurately reporting information on my credit report. They have not responded or made the necessary changes as required by FCRA. My last letter were dated XXXX XXXX, 2015 which is attached together with a copy of the credit report excerpt showing:1 ) that this mortgage was paid off for less than full amount2 ) I have been 120 past due for the last 2 yrsNone of the above is true especially when you note that they are reporting a closed loan with a 0 balance. This reporting can not be 100 % accurate as required by FCRA.. I do n't understand how they can avoid compliance with the law. I need your help. This inaccurate reporting and failure to rectify this matter despite my many prior letters requesting is hurting my credit and negatively affecting my ability to get a new home loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been with WU for about XXXX years. Recently they changed their debit card to Netspend and started charging approximately {$2.00} per transaction. I called and spoke with them and they told me in order to stop paying the fees for every transaction I need to pay a monthly fee instead. 

The old western union card which I had up until a year they never charge a fee for a transaction except for adding adding money to the card which was the attraction of using the card. 

Now no matter what amount they hit me with a XXXX fee. so if i spend XXXX I have to pay XXXX. They get to collect interest off my money. 
i have a XXXX prepaid debit and they only charge a fee when making the deposit onto the card. 
see attached ( XXXX ) which is my account ledger. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Barclay Card stopped sending me bills ... therefore I am delinquent. Sent me to a collection agency. Then they closed my account and I 've been paying them all this time! 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage is with BSI Financial. They claim I am behind XXXX payment on my mortgage. However, they refuse to take my calls. My so called " agent '' handling my affairs is either quitting, unavailable, or on the other line. I have had XXXX agents assigned to me since XXXX 2015 ; The XXXX was XXXX, who never would return a call. XXXX was XXXX XXXX, who cold called me XXXX to collect but would never again be heard from. Now, I have been assigned to a XXXX XXXX, who is following suit. XXXX have quit, so they claim, the XXXX will not return my calls or give me written proof of their claim against me. 

Also, there is a middle manager, XXXX XXXX, who I spoke with some XXXX ago. She said I have not fallen behind and that the clerical error was in fact BSI fault. She also told me over the phone that she would wave all fees associated and that I was in good standing. Unfortunately she did no such thing. The fees and everything persist. 

I called this week and a XXXX answered the phone. He claims that he has never even seen XXXX, that she does not take calls from customers, he even told me that she has no phone extension. He was very defensive and rushed me off the phone. 

Yesterday ( XXXX XXXX ), I left a message for XXXX @ XXXX and heard nothing. So I called XXXX and spoke with XXXX XXXX and she contacted BSI. At XXXX ( BSI closes @ XXXX ), XXXX calls but I am unable to answer, not to mention I did n't expect a return call at closing. I immediately called back, but she does n't respond. Called her again XXXX XXXX at XXXX ... nothing. 

I have begged for months for these people to simply give me, in writing, a legible printout of where I have missed a payment. I have begged for someone to contact me and simply discuss the matter. XXXX minutes would do. 

There are easily found sites where people have made similar complaints. BSI Financial is running a scam. They are simply scamming people out of thousands of dollars using intimidation and threatening to ruin credit, harassing phone calls, etc. 

http : //www.consumeraffairs.com/finance/bsi_financial_services.htmlhttp : XXXX : XXXX 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I am a XXXX in XXXX who has been banking with Bank of America since 2008 and found out today that they have been applying various 'maintenance ' fees on my account ( I think totalling more than {$200.00} ) that I was not alerted to. I believe they did not meet the minimum disclosure requirements of consumer protection regulation, and the maintenance fees is just another version of the overdraft fees that were clamped down on by the Dodd-Frank Act. They have repeatedly changed their fee structure across the years, and it is hard to keep track of how to avoid paying all these fees, especially if they are not your primary bank. I will be closing my accounts as soon as I can get my dispute with them settled ( I have opened a ticket ). However, I would like to know just how I can alert other consumers as to the unfair practices of Bank of America ( especially college students in small XXXX colleges who sign up for their free checking accounts without knowing of the future fees they will have to navigate ) as well as keeping track of Bank of America 's compliance with consumer protection regulation and other banking regulation such as SEC filings. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX. Address Identification Number : XXXX Status : Collection account. {$640.00} past due as of XXXX XXXX. Status Details : This account is scheduled to continue on record until XXXX XXXX. 
This item was updated from our processing of your dispute in XXXX XXXX. 
Date Opened : XXXX Since : XXXX of Status : XXXX Reported : XXXX Type : CollectionTerms : 1 MonthsMonthly Payment : $ XXXX : XXXX XXXX XXXX XXXX Tv was taken off my credit once ) XXXX. When I XXXX came to XXXX we lived in XXXX at XXXX XXXX XXXX south XXXX. This company is a scam fest. I had XXXX XXXX but was always paid on time. If they would have checked my original drivers license they would see that my XXXX XXXX had my XXXX drivers license on it because we bought a car XXXX XXXX new ) and used the XXXX address on the license. If the would have checked the XXXX they would have seen that. Our port of entry was XXXX XXXX and is why we were there. We stayed at my XXXX house XXXX XXXX XXXX for XXXX weeks before I got license and then could travel. 
I have paid all my bills on time and these people are XXXX that just threaten your credit to make you give them money. 
XXXX XXXX : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account Number : XXXX Creditor : XXXX XXXX. 






Address Identification Number : XXXX : Collection account. {$640.00} past due as of XXXX XXXX. 



Status Details : This account is scheduled to continue on record until XXXX XXXX. 
This item was updated from our processing of your dispute in XXXX XXXX. 





Date Opened : XXXX Since : XXXX of Status : XXXX Reported : XXXX Type : CollectionTerms : 1 MonthsMonthly Payment : $ XXXX : IndividualCredit Limit/Original Amount : $ XXXX Balance : NARecent Balance : $ XXXX Payment : $ XXXX have lived in XXXX since the end of XXXX and do not appreciate their slandering meCredit Limit/Original Amount : $ XXXX Balance : NARecent Balance : $ XXXX Payment : $ XXXX XXXX History : Collection as of XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Citi card services has been constantly calling me on a Saturday afternoon ( more than XXXX times daily ), to collect a late payment ( only a XXXX late ). It is not reasonable to call this often, when a single message would be sufficient, especially considering it 's an account in good standing and only this XXXX payment has been late. Number being called from : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I originally opened up a XXXX Credit Card offered through my bank " XXXX XXXX XXXX XXXX XXXX ''. This account was opened in XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX as a member of the credit union. At some time thereafter, XXXX XXXX XXXX XXXX XXXX discontinued their offering of this XXXX Credit Card. In XX/XX/XXXX, I was notified by XXXX XXXX XXXX , XXXX representing Bank of America requesting payment that was owed to Bank of America. I had never been notified that my XXXX Credit Card was transferred or bought by Bank of America as I was notified by our bank XXXX XXXX XXXX XXXX XXXX that they no longer will be offering the XXXX Credit Card. Nor did I ever receive a statement from Bank of America requesting any payment owed on this Credit Card. At the time of the discontinuance of the credit card by XXXX XXXX XXXX XXXX XXXX, I had paid off all debts through that Credit Card. In an effort to bring this matter to a close, I came to an agreement with XXXX/Bank of America where we agreed to a full settlement payoff of {$100.00} ( settlement letter dtd XX/XX/XXXX ). The issue is that this incident is showing up on my and my spouse 's CREDIT REPORT as a " SERIOUS DELINQUENCY ''. I ask that this incident which was paid off in agreement in the amount of {$100.00} be removed from my credit report. I contacted Bank of America directly to ask that they remove this incident from my credit report but they said that I would need to file a complaint through the XXXX Credit Bureaus for them to consider and they referred me to the XXXX credit reporting agencies which they then referred me to your website as they could n't address my request to have this incident removed from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX I recieved a phone call from an XXXX speaking person claiming to be from XXXX telling me that they have been alerted that my computer was corrupted. They told me that the XXXX anti-virus software that came with my computer was not strong enough to correct the problem and they got me to purchase another software for {$250.00} which I put on my SunTrust credit card. They gave me an XXXX number to call if I had a problem. When I called that number it did not go to XXXX, it went to another company. I then called XXXX directly and told them what happened. They told me I had been scammed and that these people had no connection to XXXX and to take the software they installed off my computer before it got further corrupted. They said they would never call anyone saying their computer had been corruptedWhen I found out I had been scammed I called Suntrust and told them what happened and they took the charge off my card. 6 months later in XXXX they put the charge back on my card saying it was a good charge since I authorized it even though I had been scammed. I refused to pay the charge and they took it to a credit agency. My credit was reduced from XXXX to XXXX. I now have a hard time getting a credit card. I have contacted SunTrust with all kinds of documentation proving the scam but they refused to change their mind. The internet is full of very same story where this company has been calling XXXX 's of other people just like me claiming to be from XXXX and that their computer is corrupted. SunTrust does not stand by the people who bank with them. I would never do business with them again. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian continues to put inaccurate information on my credit report. I have sent them adequate proof to remove these descrepancies ( debt collections & unauthorized inquiry ) off my credit report. I was denied credit with XXXX because of the debt collection. Experian have not removed the unauthorized inquiry off my credit report, even after I sent them a letter from XXXX XXXX ( the inquiry on my report ) informing them to delete it off my credit report. 
I have written Experian four times, ( the last letter was sent certified ). I have asked them repeatedly to send me the " Method of Verfication '' used in verifying that this debt belongs to me, and I have no received anything yet. Experian keep sending me letters saying the debt has been verified and is accurate. I know this is n't true because my attorney, XXXX XXXX ( XXXX ) could n't get XXXX , XXXX to send the verification that the debt belongs to me ; so XXXX , XXXX dismissed the court case against me. I do n't believe at any time that Experian did a reasonable investigation of my dispute. 
I sent the same documents to XXXX and they finally removed the debt collections off my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted a dispute to Experian XXXX 2015 stating that my payment history for XXXX account number XXXX that was incorrect and supplied a copy of a letter from the credit granter XXXX sent to the Ohio Attorney General stating that the account was never reported as late. This letter was in response to a complaint to XXXX over my payment history that was being reported incorrectly. They state that they never have reported my account as XXXX days past due. after receiving my results from XXXX I called XXXX and they told me that they did NOT verify to XXXX anything. The lady then checked and said that they are reporting that I have never been late and that they can not control what and CRA puts in the report. I demand that XXXX correct the my credit report to reflect that I have never had a late payment like XXXX states in the letter, remove the account all together, or provide proof that they contacted XXXX and received a valid payment history. I demand that they provide who they contacted name and phone number so I can verify with the person that they verified it with since XXXX says they did not verify with them. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015, I received XXXX separate deposits of {$100.00} each on the same day to my paypal account. I immediately requested the total amount of {$200.00} to be transferred from my paypal account to my checking account. It is months later and I still do not have the {$200.00}. I reached out to paypal numerous times by phone and email to try to resolve this issue and still have no resolution. I just want my money. I have even had successful transactions since so there is n't an issue with my accounts nor my account numbers. They are in violation of the California state 's Money Transmission Act section 1841 which reads : '' Every licensee or its agent shall forward all money received for transmission or give instructions committing equivalent money to the person designated by the customer within 10 days after receiving that money, unless otherwise ordered by his or her customer. '' 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I submitted a dispute to Transunion in XXXX 2015 stating that my payment history for XXXX account number XXXX that was incorrect and supplied a copy of a letter from the credit granter XXXX sent to the Ohio Attorney General stating that the account was never reported as late. This letter was in response to a complaint to XXXX over my payment history that was being reported incorrectly. They state that they never have reported my account as XXXX days past due. after receiving my results from XXXX I called XXXX and they told me that they did NOT verify to XXXX anything. The lady then checked and said that they are reporting that I have never been late and that they can not control what and CRA puts in the report. I demand that XXXX correct the my credit report to reflect that I have never had a late payment like XXXX states in the letter, remove the account all together, or provide proof that they contacted XXXX and received a valid payment history. I demand that they provide who they contacted name and phone number so I can verify with the person that they verified it with since XXXX says they did not verify with them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I bought clothes with my sears card XXXX XXXX XXXX XXXX in the year XX/XX/XXXX and the account was paid off in XX/XX/XXXX. Now CitiBank sold the debt that I do not owe anymore to XXXXand they are charching me {$1500.00}. I receive a letter now that I contact you and Citi said that I do not owe nothing that the debt is for XX/XX/XXXX XXXX so I do not now wht to do and my credit report is geeting affected. Plese help me the case with you ( XXXX ) 

Company response: Company chooses not to provide a public response
Consumer complaint: I am disputing the debt of a voluntary repossessed vehicle. 
The company did not allow me time and notification to recover vehicle once repossessed.I never received notice of sale amount.And the Deficiency balance is extremely high not giving credit for payments made. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter from U.S. Bank stating my credit card account is delinquent. I called and inquired as to how that was possible when I have " autopay '' activated. I was informed they notified me 6 months ago that the feature was being turned off and I would have to turn it back on. I never received this notice and I been presuming that my payments were being made as per my instructions. In the interim they have been charging me late charges and interest for each month. I have spoken to XXXX representatives who essential told me " tough luck. '' XXXX, I immediately paid the entire balance once I was made awarre of this debacle. If they were turning my " autopay '' off, which I deny receiving notice, why wait six months to let me know? I further believe that have reported on the trade lines that the account is delinquent, thus affecting my credit rating. I would like for the fees and interest to be refunded as well as the trade lines removed from my credit report. I might add that this smacks of class action to me because I am certain I am not the only person duped in this manner. Once this matter is resolved I intend to cancel the card. 

Company response: Company chooses not to provide a public response
Consumer complaint: This account is a fradulent account. I went to this business FOR A CONSULTATION. the XXXX never told me that I would have to pay for anything. When I went to leave the receptionist told me I had to write a check for {$3500.00}. they would hold the check for two weeks -- AFTER I came back " for trays '' -- they would then submit the bill to my insurance company in three weeks after I Paid them for the full amount of {$7500.00}. I called my insurance company when I got home. I was informated that this basically is insurance fraud. I called the XXXX office the next day to cancel my contract and tell them I was not coming back in for services. I never went back -- Two weeks later the XXXX started calling my job leaving harassing messages. Next two months I receive a letter from a debt I did not owe. I have medical and dental insurance. I am being charged and billed for services never rendered. I never received XXXX or anything from this business. I wrote a check but cancelled the contract the next day. I would not be a part of insurance fraud. 

Company response: Company believes it acted appropriately as authorized by contract or law