AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Called and left messages with other staff at the office, when the office manager called them to discuss this as not being legal, they were abusive on the phone and hung up. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: did not request credit increase from XXXX XXXX dept store and it has damaged my credit 

Company response: Company chooses not to provide a public response
Consumer complaint: When I signed up for XXXX I agreed on a one year contract that was what the lady said on the phone with me. I never missed a payment the whole year and when I decided to cancel due to the fact that it kept going down they said I had to pay a fee for not staying with them for 2 years. I called and disputed that till the guy on the phone got very vulgar and demanding. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: This company keeps buying and selling this account. This account has been placed on my credit report by different creditors and is outdated and should be removed. I stated to representative that called that I would only discuss this account with the original owner. I also called the original account owner and was told that they have no records on file. If the original account owner has no records, then why should I be paying this company in which I did not open an account with. In conclusion, I do not owe this company ; therefore they should not be reporting anything on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There are authorizations made on a debit card but takes several days to post on to a checking account. While the authorizations are made, there are no funds being held out of the checking account. This causes a situation where there can be literally hundreds of dollars in overdraft and returned item feeds. I have received over XXXX in overdraft and returned item fees in the past month and half. I 'm working two weeks and I have no funds after my direct deposit because of fees. A {$35.00} overdraft fee for a {$1.00} charge is excessive 

Company response: Company chooses not to provide a public response
Consumer complaint: I originally submitted complaint : XXXX. Basically, I thought the income difference between what I reported and what BofA reported was a result of the settlement with XXXX XXXX. In BofA 's response to this complaint, they sent the attached letter clearly showing it was a result of a foreclosure sale on the property on XX/XX/XXXX. My concern is that I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX and declared this property in the case. On XX/XX/XXXX I was successfully discharged. 

There are NO tax consequences for debts discharged in bankruptcy. So should NOT be taxed on what they did n't get at the foreclosure sale. The bankruptcy protects me from that tax. Here 's the link to the XXXX website that says that. XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: My complaint is that I purchased a truck back in XXXX 2009 from a dealership I put down on a down payment to get the truck, during my time with the truck from the start I was having mechanical problems, After maybe 3 mo I had credit card fraud which caused me to not be able to make the payment for that mo. So they then remotely XXXX the start engine on the truck so I could not drive it. So within a couple of weeks they repossessed it, an offered me in a letter to buy it back at auction which I could not buy it back because I did not have the money to make the payment let alone to be able to purchase it back for the remaining balance after auction, so in further complaint they sent a garnishment summons to my job stating that I owe them {$3100.00} less the amount they sold the truck at auction. Ok now the question I would like answered is what physical money did they loan me ( put money in my hands check or cash ) that was paid towards the purchase of the truck, an did they not get there property back when they repossessed the truck an sold it at auction. So what warrants me to owe them physical money an for them to hide behind the courts to have them issue a judgment against me for physical money they never give me any way an to take money from me, here is something to think about : when you need to rent a car you have to put down a deposit. when you retain the car you then pay for the usage of the car, you return the car you get your deposit back. physical money an property is being exchanged I feel it is the same concept as leasing a car. 

Company response: Company chooses not to provide a public response
Consumer complaint: I would like to file a complaint against Bank of America. In XX/XX/XXXX, they informed me that my second mortgage, currently a payment of $ XXXX will increase to $ XXXX come XX/XX/XXXX ( this will be over $ XXXX more to budget ). I immediately took steps to try and work with Bank of America, since this increase is absurd and will be a hardship on me and my family. 
After XXXX months of filling out paperwork and speaking with countless service reps to get help, Bank of America informed me that the only solution they could offer me was to short sell my house ; not the better rate or combination of XXXX and XXXX mortgages I was lead to believe to be a viable solution. 
I can not believe that they would treat a good, long time customer like this. I have n't been late or let my mortgage lapse ever. 

Company response: Company chooses not to provide a public response
Consumer complaint: A Man XXXX called, XXXX XXXX XXXX XXXX XXXX ... we talked for several weeks about a loan transfer with no interest for the entirety of the balance, pay {$700.00} up front and then transfer for a interest free note. I got the paperwork and it is set for a 22.5 % rate!!! 
I did not agree to this. I have called Barclays many times trying to straughten this out. No relief. They have closed this acct. and are pusuing payment. I refused to pay until they gave me what I agreed upon. They say they do not know who offered this to me, I have been misinformed! 

Company response: Company chooses not to provide a public response
Consumer complaint: I refinanced last year XX/XX/XXXX with XXXX mortgage who then sold the mortgage to Lender Live mortgage company. I received a notice my taxes were never paid and my house would be auctioned off XX/XX/XXXX. I called Lender Live on XXXX XXXX, 10 days ago. I emailed the auction notice per their request the same day, XXXX XXXX. I called them back XXXX XXXX and issue not taken care of. I called again XXXX XXXX and XXXX and they still had not resolved the problem or paid the taxes. Today I received a letter from my house insurance that my insurance was not paid either by Lender Live as it should have been thru my escrow. Also they have not paid taxes that was due XXXX XXXX. Now it appears not enough money will be in my escrow to pay all taxes and insurance when amounts have not increased and I have previously always had a surplus in escrow before. Lender Live should have been tracking my insurance and taxes as their full responsibility to pay these thru my escrow. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Experian conducted an investigation on an item that was filed in error by the XXXX, and after Experian was notified of the item being filed in error, and subsequently rescinded by the XXXX they still left it on my credit file. When asked who verified the item, the customer service representative told me that they did not have to share any information about whom the item was verified through, which is in direct violation of the Fair Credit Act. 

Company response: Company chooses not to provide a public response
Consumer complaint: I used my Netspend card at XXXX of their " FREE '' ATMs. AFTER logging in and clicking " withdrawal '' I was then asked whether the w/d should be from Savings or Checking ( I was given the choice ) ; so I chose " Savings ''. The machine then denied the choice IT gave me and charged me a decline fee for insufficient funds ; not because the amt was n't in my saving account, but because ( from calling them ) they say they do n't allow withdrawals from savings. If you 're going to charge a fee for an option you do not allow, you should n't offer the unallowed option as a choice. Please look into this. I have saved the receipt and I 'll supply you with what you need. Thank you XXXXXXXXXXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I submitted over 2 months ago an original statement of Identity theft affidavit which was notarized, XXXX of the XXXX bureau 's refused to do anything without their being a police report submitted as well. Therefore I went and filed a police report and sent the FTC identity theft affidavit a second time ( certified mail to all XXXX bureau 's ) XXXX made me fill out there own form claiming that they did n't accept the FTC affidavit, and it looks like they removed stuff from my credit report but did n't block it. XXXX has come to me requesting further proof of identity XXXX the exact same thing was in my XXXX affidavit mailings a copy of my state issued ID and social security card, this is just stalling XXXX and Experian sent me a letter that they have already verified ( thats right they " verified '' fraudulent information ) and wo n't investigate again unless I submit more evidence, as if the police report was n't enough! I called the FTC XXXX and they told me with the police report all XXXX bureau 's should have removed the information by blocking and notified the companies within 4 business days according to FCRA! therefore I am filing this dispute because I am tired XXXX, I hired an online credit attorney which got me nowhere, i worked with the FTC, it got me nowhere, I filed a police report, their run-around is absolutely criminal the way they are ruining my life rather than properly removing this information! The companies I contacted asked the information be removed themselves XXXX because they noted it was fraudulent on their investigations, there is no reason at all the bureau 's should doubt my claim and it is a smack in the face that they claim to have verified it! 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15 Experian received, per US Postal Service Cert. Mail, my request to investigate and then remove a number of outdated and incorrect items on my Experian credit report. To date XXXX/XXXX/15 the items still remain on my report as per their on line viewing of my report. I contacted them today and advised them as per FCRA and your bureau that those items must be removed because they did not act with in the 30 day time frame. I would ask that you act on my behalf to inforce the laws of financial protection and also include me in any legal action against Experian. 

Company response: Company chooses not to provide a public response
Consumer complaint: I tried about 5 years ago to get a modification on my mortgage through a company called XXXX and it turned out to be a major scam. They charged me almost {$4000.00} and disappeared. Well XXXX lawyers later and approx. {$20000.00} later the bank Wells Fargo is still denying me a modification and has broken all laws pertaining to the modification. The last lawyer I had XXXX XXXX charged me {$3000.00} to try to get the mod and he said he believed he could get it and he could n't and now he wants to charge me {$1300.00} a month to file the lawsuit with no guarantees at the end. He is also charging me just to talk on the phone. I need direction and an attorney that can work with me to sue Wells Fargo and try to save my home. 

I would like the mortgage and escrow to be lowered to an affordable amount and the interest and lawyer fees to be reimbursed since the only thing that was done was paperwork. I am tired of being ripped off by attorneys who charge too much money to get no results. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Sir, My wife and I rented an apartment in XXXX, Texas, which was taken over by new management shortly before we vacated. Under the terms of the contract ( which I no longer have a copy of but requested from the collection agency, who refused to supply it, though admitting they have a copy ), charged us {$510.00} for vacating, including keeping our deposit. 
We left the premises as our contract had expired. I gave one month 's notice, though they asked for two months and refused to check the apartment before we left. We left it in good condition, took everything out, and gave the key to a trusted neighbor. 
I have filed chapter XXXX, but it is affecting my wife 's credit report. 
Their methods are totally illegal. As I understand, Texas law allows tenants to vacate at the end of their contract without any problems, nor notice. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a checking account with Penfed with the anticipation of establishing a joint account with a person I bought a home with on XXXX XXXX not knowing that they were going to do an immediate hard credit pull over the phone without notifying me. I was trying to apply for a mortgage at the same time so this was disconcerting. After being bombarded with emails and paper post I decided to cancel my account almost immediately after. Someone over the phone told me it was easy to cancel and they said they put through the request immediately. I find out today XXXX XXXX that the account was never closed. The reason is because they require XXXX separate notarized documents, a copy of my social security ID, my driver 's license, and a utility bill, just to close a bank account that had {$5.00} in it. They cite the Patriot Act as the reason for doing so, but could not say why. I think this is costly, a waste of time, and extremely misleading to the consumer about the practices of this bank. I think they put these obstacles in place to trap their customers in to an account, as I 've never had difficulties cancelling an account with any institution. 

Company response: Company chooses not to provide a public response
Consumer complaint: A collection attorney named Forster & Garbus is trying to sue me for a XXXX XXXX credit card account that is no longer on my credit report. The credit card account is from XXXX which is more than seven years ago. I live in New York XXXX XXXX XXXX XXXX XXXX the statue of limitation is XXXX years on credit card accounts. I do not want this collection attorney to try to seize my checking account because I am barely living above the poverty rate. I can not afford to pay this debt and plus the debt is more than seven years ago and it is no longer on my credit report. The debt is pass the statue of limitations in New York State. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed a few items with Experian and they were removed off my credit but now the companies have some how added it back on my credit file. Due to there neglect, they should not be allowed to add these back as the company has not responded to them in time. I also had a dispute with the CFPB that was resutled in my favor and the file was not removed and there is documentation that they were removing the tradeline from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX is facing a financial hardship. He has reached out to his servicer BSI for assistance to retain his home. BSI has stated that they will not assist XXXX XXXX because they are stating he has insufficient income and excessive obligations per the decline letter sent in XXXX 2015. XXXX XXXX has the home and a small car payment of XXXX monthly ; no further obligations. He is delinquent on his mortgage in the estimated amount of {$59000.00} without attorney 's fees and cost. He became delinquent due to his wife becoming XXXX. She was no longer able to work and there were excessive XXXX bills along with a curtailment of income. 
BSI then stated via email XXXX 2015 that the home has equity in the amount of {$100000.00} as XXXX is showing the value of the home around {$330000.00}. BSI failed to provide an actual figure which they should have on hand as they had just reviewed the home for modification. A BPO should have been on done and provided. BSI stated that the " current payoff not including fees and costs is approximately {$230000.00}. '' XXXX is failing to acknowledge the provable hardship and using incarnate information. The homeowner has NO equity in the home as he is behind since 2012 in the amount of XXXX without the attorney fees and costs. A short sale would not benefit XXXX XXXX. The value of the home ( see attached ) per the property profile that we paid to pull XXXX unlike XXXX which is free and more often than not inaccurate ) stated the property value of the home at XXXX. THERE IS CLEARLY CONFLICTING INFORMATION. 
XXXX XXXX feels that BSI is discriminating against him based on his Race, ethnicity, language, and national origin. There is no tangible reason for BSI to refuse to assist him. To clarify, they stated XXXX reason to deny him in writing and then stating another via email. XXXX XXXX is not against asserting his legal right in district court and will name BSI as well as XXXX XXXX and XXXX XXXX XXXX as defendants. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I want Financial Asset Management Systems to stop calling me, to stop sending me letters, and to stop trying to communicate in any communication form with me. If I need to speak with Financial Asset Management Systems I will call them. If I need to make a payment I will call them to make a payment. Otherwise I do n't want Financial Asset Management Systems to contact me. XXXX has hired Financial Asset Management Systems to collect on a private student loan however Financial Asset Management Systems has repeatedly and flagrantly violated the Fair Debt Collections Practices Act with their illegal and deceptive practices. In addition, my student loan debt has more than tripled as a result of XXXX using debt collectors who flagrantly violated the Fair Debt Collections Practices Act. XXXX adds excessive interest and collection fees whenever they change debt collectors on a loan. As a result of XXXX illegal practices of adding illegally excessive fees and collection costs my loan has XXXX in balance from a start of {$24000.00} because XXXX has intentionally and flagrantly added illegal fees and collection costs to my account which has ballooned the balance to an unconscionable level. 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted over 2 months ago an original statement of Identity theft affidavit which was notarized, XXXX of the XXXX bureau 's refused to do anything without their being a police report submitted as well. Therefore I went and filed a police report and sent the FTC identity theft affidavit a second time ( certified mail to all XXXX bureau 's ) Transunion made me fill out there own form claiming that they did n't accept the FTC affidavit, and it looks like they removed stuff from my credit report but did n't block it. XXXX has come to me requesting further proof of identity XXXX the exact same thing was in my XXXX affidavit mailings a copy of my state issued ID and social security card, this is just stalling XXXX and XXXX sent me a letter that they have already verified ( thats right they " verified '' fraudulent information ) and wo n't investigate again unless I submit more evidence, as if the police report was n't enough! I called the FTC XXXX and they told me with the police report all XXXX bureau 's should have removed the information by blocking and notified the companies within 4 business days according to FCRA! therefore I am filing this dispute because I am tired XXXX, I hired an online credit attorney which got me nowhere, i worked with the FTC, it got me nowhere, I filed a police report, their run-around is absolutely criminal the way they are ruining my life rather than properly removing this information! The companies I contacted asked the information be removed themselves XXXX because they noted it was fraudulent on their investigations, there is no reason at all the bureau 's should doubt my claim and it is a smack in the face that they claim to have verified it! 

Company response: Company chooses not to provide a public response
Consumer complaint: I told citibank I was unemployed and having trouble paying my credit card bill. So they 've been harassing me with phone calls before XXXX asking me repeatedly why ca n't I make my payment. I tell them the same thing every time. I 'm unemployed, do n't qualify for unemployment and have no funds. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter from this company demanding money from me. To my knowledge I have never entered into a contract with this company and they have never provided me a service. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They have now sent and got information about me through my bank and will not leave me alone they are threatening me everyday and they stole my personal information from my personal bank 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've got ta collection from XXXX XXXX for an account that does not belong to me! 
Though I make my credit payments on Time and have stable XXXX job ; I am unable to apply for credit or improve my Families Well Being. due to the above mistake fromt he collection and credit agencies. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX, Ohio keeps calling me up at workplace, home cell phone and any which way they can to make me owe a debt that 's not mine. I 've repeatedly told them to stop calling and send letters without proof but there 's no benefit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX of 2015 I was offered a streamline reference opportunity by XXXX XXXX and XXXX XXXX from Forthright Founding on the first conversation and multiple conversations during this process I was reassured multiple times on a recorded phone line that there would be no out of pocket expenses to myself. On XXXX/XXXX/15 I was contacted by XXXX XXXX to go to my bank and wire {$830.00} to XXXX XXXX XXXX XXXX witch was the cost to close and if I did n't get to the bank and do it immediately the streamline would not close that month. After filling a compliant against Forthright Founding I was contacted by XXXX XXXX who has confirmed the {$830.00} was cash to close and I was simply given a better deal for paying the cash to close, however this was a bait and switch by Fourthright Founding. I was baited by being told there would be absolutely no out of cost expenses then called and rushed at the last minute to wire {$830.00} to XXXX XXXX XXXX immediately. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have received approximately 12 calls in the past 3 months on my cell phone from XXXX or XXXX. Each call has been a recording and claiming to be from Harris and Harris stating I owe some debt and I need to call them. 
To my knowledge I owe no one anything nor have I received any documentation via US MAIL documenting any debt. 
I suspect this is a phishing scam. 

Company response: Company can't verify or dispute the facts in the complaint