AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Have had a loan from One Main Financial for less than one year and recently have had personal events that have made it difficult to repay this loan. To preclude filing bankruptcy I contacted a company called XXXX XXXX, ( a XXXX party company ) in an attempt to set up a repayment plan. Recently, One Main Financial has been contacting me at my place of business in attempts to collect this debt. I am a XXXX work for the XXXX XXXX and these calls are starting to annoy others in my office. At the request Clear One I had not made contact with any of my creditors in order to let the entire restructuring process take effect. If there is anything else you need regarding this matter please contact me. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is an account with Pioneer/XXXX XXXX XXXX reporting on my credit file that is NOT MINE! I have submitted an ID theft Affidavit and demand letters to the bank directly and have not gotten a response. I am not getting the credit I deserve due to this error on my credit file. I need this account deleted immediately!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My property was sold on XXXXXXXX2015 after 120 days sending documents to SPS servicer train to qualify for a lone modification., at the same time the bank, SPS servicer continue with the Foreclosure presiding 's, ( Dual Tracking ) at the foreclosure the SPS did not claim as Defendant my wife in the complaint and did not server any liss pendis documents to her, violation of state constitutional law .Art X, & XXXX, Fla.Const ; XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX ). the y have violated her rights to due proses and have violate her XXXX amendment constitutional right., I have file in civil court a Objection to sale, and to the bank SPS servicer a Appeal under the settlement agreement 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My Bank of America branch is XXXX mile from my home and it is the only branch in my local area with only XXXX atm machine in the local area. Lots of times the atm machine is non-operational which causes me to use other non-BOA atms. My BOA fees for using other atm machines were {$96.00} just last week not including the fees the other atm machines charge. I asked BOA from refund me the fees since their ATM machine was down and they would not. This happens very often! 

Company response: Company chooses not to provide a public response
Consumer complaint: Despite having Federal Flood Insurance Specialized Loan Servicing placed forced flood insurance on our house. Since there was a change in the amount of the payment they cancelled our automatic electronic payments. After submitting proof of coverage they removed the forced flood so I asked to have Automatic payments applied again. SLS indicated that it would take more than a month for the electronic payments to be reestablished I made the next month 's payment early, recieved a confermation number and verbal ( recorded ) confirmation that is was completed. SLS mishandled the payment, withdrew the incorrect amount of money and applied the money as principal rather than making the monthly payment as agreed. SLS then claimed the monthly payment was not made, made a report to credit reporting agencies and charged late fees. SLS then failed to honor the electronic payment request for the following month. SLS made false statements regarding the situation to myself and made threatening statements to my wife when she called to inquire about the situation. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX I found an unfamiliar XXXX Wireless account on my credit file, I contacted XXXX to discuss in further details but they stated by law they can no longer can discuss the account because it was sold. I contacted the company it was sold to - Jefferson Capital System - the company the debt was sold to and they forwarded me XXXX. On XXXX/XXXX/2015 I spoke with a rep from that collection agency ( working on behalf of Jefferson Capital System ). I 'm not sure what XXXX is charging me for. I had a phone with them but returned it in three days after signing up because I realized that I could not afford it. First XXXX XXXX XXXX said they have no details about this account. Jefferson Capital System did n't provide details but they are only responsible to collect payments. XXXX said they have no details and Jefferson Capital System directed me back XXXX. If no one can provide me details about this account and the charges, why am I responsible to make a payment? This is unfair and does n't make any sense to me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is a medical bill that was taken care of XXXX and they ( XXXX ) are charging me again!!! 
It should not be on here. 
ThanksXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I had a credit card. The credit card company would not treat me as an account holder even after my wife called in to complain. I had my name taken off of the account. Experian is still reporting the account open. I disputed the claim. They researched it and only changed my status to authorized user and kept the account open. Even though the credit card account is still open, I am not part of the account any more and it should report as closed on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: In the third phone call I have received by the company within 24 hours, I was threatened to be taken to court, the representative XXXX XXXX exclaimed that " as a XXXX, I should pay my bills. '' She proceeded to tell me that I would have someone come to my job and or home to collect the debt from me. The first representative I spoke to said they were not trying to resolve anything, they were simply taking me to court, which I have yet to receive a summons for. The issue I continued to address with the parties is that the debt is not on my credit report and I have no one of validating the debt beyond what they were saying. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I am a regions bank account holder first off I had a payment due on XXXX/XXXX/15 and they ran the payment through on XXXX/XXXX/15. Which is not right. I deposited money in my account on XXXX/XXXX/15 I was XXXX short and was advised by a representative on XXXX/XXXX/15 that I would not get a overdraft fee because it was not over XXXX On Monday XXXX/XXXX/15 I was given a overdraft fee. Also they said my deposit does not show that it was put in on XXXX/XXXX/15. It shows XXXX/XXXX/15. I immediately called the bank and spoke to managers. They have no records of the call. This is not right. I should not have been charged the over draft fee. I have had nothing but overcharges for overdrafts since day one with the bank. I want my account to given credit for the overdraft. They continue to do this to people and it is wrong! 

Company response: Company chooses not to provide a public response
Consumer complaint: Good afternoon, I 'm in need of assistance. I 'm hoping you can see to it that this gets resolved. 

XXXX Bank had the second lien on my property located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The property went to foreclosure in XXXX. XXXX XXXX was the last reported date on my credit report revealing I was 120 days past due. This was my last time since negative. 

In early XXXX I discovered XXXX was reporting that I had a monthly obligation of {$23000.00} on this old debt. This was reflecting in my monthly DTI. I disputed this information through Experian in late XXXX XXXX when my Credit Score was XXXX. I have been rebuilding my credit since the foreclosure ( XXXX XXXX ) and imagined that this erroneously large monthly obligation 's removal would only help me. Instead, XXXX Bank eliminated the monthly obligation and updated the status to a charge off as of XXXX XXXX. 

Now my credit report says I have a RECENT LATE as of XXXX XXXX - but the last time I was late with payments was XXXX XXXX. Compass recent reporting of my charge off occurred in XXXX XXXX and their adherence to this date makes lenders and other affiliates assume I was recently late on my obligations. But as you can see on the evidence provided I was NOT late on any payments in XXXX XXXX. ( I have n't been late on any payments since XXXX XXXX. ) How could I be late on an account that has been closed since XXXX? XXXX wrote that the balance is past due as of XXXX XXXX but I was 120 days past due from XXXX XXXX. 

I was recently declined a mortgage because of this reporting. Even though the notes say the Charge Off will drop in XXXX suggesting it is an old charge off their reporting is erroneous and inaccurate and make it appear that this is recent. 

Per Experian my Time Since Negative is XXXX years ( point one years ). Please help. I have n't been late since XXXX and it is all related to the foreclosure. 

Please help. The Time Since Negative is completely inaccurate. Please remove the negative date and have it report accurately to reflect that the time I was last negative was XXXX XXXX. 

Thank you kindly. 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Loancare services my XXXX XXXX escrow account for my VA mortgage loan. A year ago they said I had a {$94.00} dollar per month shortage and increased my mortgage. Today, I get a new statement saying I now have a {$220.00} per month shortage. They also do not pay my county taxes correctly. They paid them late, and incorrectly XXXX last year, and this year they have the amount wrong. They have two payments of {$1400.00} for county taxes when it is suppose to be {$1500.00}. Their one job is to manage my escrow account and pay my taxes and hazard insurance, and they can not get it right. Their last escrow account adjustment should have corrected the problem " shortage '', not made it worse. They have my {$1100.00} a month mortgage up to {$1700.00} now. As a XXXX XXXX on XXXX and XXXX XXXX, I can not afford to have my mortgage raised every year because of mismanagement of my escrow account. XXXX XXXX needs to hire a new loan servicing company. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was denied credit for a XXXX card and would like to request a free copy of my business credit report from Experian. I have attached a letter of denial from XXXX, which should entitle me to a free copy. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had a checking account at Wells Fargo for over ten years. Suddenly two months ago I saw a fee charged to the account. ( {$13.00} or {$15.00} I believe ). I emailed via the Wells Fargo website and inquired about the fee. The reply I received was unclear, it said I did not have the right mix of products and services but the explanation was unclear why my mix was wrong, what I needed to change and what had suddenly changed to initiate this fee. They did refund the fee. I wrote back and asked for clarity and received yet another unclear reply. So I went to my local branch and inquired, the agent told me my accounts looked fine and I must have been charged in error. At this point I believed the problem to be resolved. 
The next month I was charged the fee again. So I contacted Wells Fargo again and they refused to refund the fee this time, and again did not provide a clear explanation. I replied and threatened to move my business and they did finally refund the fee and told me I needed to enroll in mobile banking to not be charged the fee again. So I followed the instructions to enroll and emailed them back to ask if everything was set. I received a reply that it was NOTset and that I was mistakenly told mobile banking was needed. I was told I really needed to call and get an ATM card. At this point my frustration got the best of me and I asked them to close my checking account. They did close my account but the reply mentioned the fee was because they believed I stopped my direct deposit. This was the first time anyone mentioned direct deposit. In fact, I did not stop it, it was on hold because of the season nature of the deposit which comes from real estate rental income. 
I am reporting this complaint because I am very concerned that Wells Fargo has a policy which is confusing and the employees have not been properly trained. Therefore they are unable to communicate the intricacies of the policy to consumers. I imagine someone elderly would not be able to jump through the same hoops I did to get this resolved and may be charged large fees they do not understand. I talked to XXXX different agents and never got the same or a satisfactory response. I will attach the email chain as evidence to this confusing response. 

Company response: Company chooses not to provide a public response
Consumer complaint: Best Buy delivered a crushed dishwasher to my residence and refused to take it back. Once I realized that the dishwasher was destroyed, I stopped uncrating it and called the store. They said that they would not come back and get their scrap metal that they delivered and told me that returning the item was my responsibility. I asked how I was supposed to do this considering it took multiple people to unload the, and the item, packing and crate are very heavy. I was told it was n't their concern. I took pictures of the crushed appliance, and I tried to get someone to help me return the item. I had no vehicle that could return such a large crate. I eventually found a neighbor who agreed to rent me his vehicle to return the item and it took XXXX males to lift the crate into the minivan, but when I got to the store they said I could not return the defective product because it was not returned to them within 15 days. This is ridiculous because it was scrap that was delivered and not the product I had agreed to buy. I have extensive photographic evidence to verify this. I was told that Best Buy could have their XXXX XXXX refurbish the dishwasher-their words, or I would have to take store credit. I told them that was n't an acceptable option after the hell they put me through to get their junk back to them. They have threatened me with legal action, telephone calls well after being asked to stop, and despite a credit dispute, never incestigating the incident. 

Company response: Company chooses not to provide a public response
Consumer complaint: We canceled the time share within the allotted time based on our contract. XXXX XXXX and XXXX both stopped reporting the XXXX tradeline ( after several rounds of credit bureau disputing ) however, Experian is still reporting it. Additionally, Experian is reporting the debt as currently past due with brand new lates each and every month. The true date of last activity was back in XX/XX/XXXX. This is causing us to not be able to close escrow on our home. We just extended escrow 30 days but, must have the incorrect current lates removed and the account removed all together from our credit reports by XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: When will the victim ( s ) who has been and is continually torn down to His or Her or their lowest level of Characters Worth receive restitution? I am victim of Identity Theft By my former Mortgage Company who now has Reorganized, but under their new Organization has filed Bankruptcy but has been given the privilege to Reorganize for a third time. Throughout their reorganization process My family and I have suffered tremendously with little help and comfort for our loss for local, from federal and our Government agencies. Why are n't the laws catered to the American individual. The right to sue big business and corporations for their illegal practices and financial damages. I note us as individuals and families that owns our homes and yes once upon a time held great creditable reputations until a criminal or civil act has been committed against us and continues to happens but goes unpunished at the lowest level what are we to do? I am in Bankruptcy now, in order to prevent the legal system local authorities from using a court order to throw my family and I out of our home. I have consulted with everyone ... .. but congress and our President. I am and will always be an American citizen and I served our country faithfully, but yet I am not receiving the proper justice because I am not at the corporate level to bring charges against a corporation but a individual as stated by the FTC telephone representative. I know we can perhaps undo the wrong for all citizens who have been affected like I have. It may take some time, but it will alleviate many nights of despair and discouragement I have due to someone else 's inability to serve the American people within their legal rights in their pursuit of happiness in obtaining the " American Dream ''. Although, I am a innocent Homeowner in American, now a victim of my mortgage company crimes, but labeled and viewed as having the inability to obtain and maintain obligations and responsibility financially because wrongful placement of the credit worthiness I have to wait until all the law is put into place to correct this issue, shuewww!!! How will this new law help me and my fellow Americans? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I lived in XXXX XXXX XXXX for two years and have been having problems with them since before I moved out in the end of XX/XX/XXXX. I paid my rent early more than XXXX time and XXXX of the times they tried to evict me for unpaid rent. I have every rent receipt from them starting from XXXX - XXXX. My car was broken into XXXX times on their property, before I moved out someone broke into my apartment while I was at work, I have police reports for all of these things as well. After my apartment was broken into they put a note on my door saying I owed {$100.00} for unpaid rent. I am on XXXX, so that is why you will see different amounts. But I attached my run down from XXXX, so even if there was unpaid rent due I would NOT owe the full amount. And if I did even owe them a full months rent that would mean I would have had to not pay my rent for more than one month. And if I did n't pay more than one months rent why was I NEVER evicted? Why are they coming after me for the full amount and not charging XXXX XXXX for not paying their portion? Cause it 's a false claim. They sent my name to XXXX collections and I asked them to prove the debt they sent me a bill & I sent them my proof. They left me alone and a year later another collections agency is trying to collect from me. They have reported this to my credit which is effecting me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We canceled the time share within the allotted time based on our contract. XXXX XXXX and Equifax both stopped reporting the XXXX tradeline ( after several rounds of credit bureau disputing ) however, Experian is still reporting it. Additionally, Experian is reporting the debt as currently past due with brand new lates each and every month. The true date of last activity was back in XX/XX/XXXX. This is causing us to not be able to close escrow on our home. We just extended escrow 30 days but, must have the incorrect current lates removed and the account removed all together from our credit reports by XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called Flagship in regards to my vehicle loan to let them know that there was a {$4700.00} check on its way to them. I asked to be transferred to the total los department as that was where I had been previously told that was who I needed to talk to. They bounced me around the first time I called and the. Sent me to someone 's voicemail. I hung up and called back. I asked to be transferred to the total loss department once agin. They transferred me to a female named XXXX who stated that she was my representative. I asked if she was in total loss. She said that she was not. I asked to be transferred and she declined to transfer me stating that she was handling my account. I informed her that the check was on its way from the gap insurance. She asked me to hold on and then placed me on hold. She kept me on hold for approximately 5 minutes. When she came back on he line she then proceeded to tell me that she had to transfer me to another department. I asked her why she did not just transfer me when I asked and she would not answer. She kept talking over me. I asked to speak with a supervisor. She said she would transfer me. The next thing I know I am listening to a XXXX recording. I hung up and called and spoke with a supervisor who stated that she must have dialed the wrong number. 

Company response: Company chooses not to provide a public response
Consumer complaint: They have still made it impossible to process paperwork and get new buyers into my property. I want to file a suit with the company and go to court over the finding and I have realtors and title company that will testify and verify what has happened here. I have numbers us recorded phone calls and emails and letters all which have led the buyers to walk because they had to wait so long. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I refinanced our truck loan with 1st Investors Servicing Corp and never paid a late payment. Our truck value was almost a loss compared to the amount of my auto loan. I entered into a settlement ( XXXX 2012 ) to payoff off the loan at a lower amount with out impacting my credit. I worked with XXXX XXXX ( Settlement Dept ) and he even had an appraiser come to our house to value the truck. I provided the payment that was agreed and my credit was not to be impacted. I have a written letter from 1st Investors with the details. Now almost 3 years later 1st Investors just started to report to the credit bureaus late payment and a charge off status, prior to this the credit reporting was not negative. They have breached their written settlement agreement. I 'm trying to refinance my current auto loan and this has impacted my credit ratings with all XXXX agencies. 

Company response: Company chooses not to provide a public response
Consumer complaint: I accidentally attached the wrong image to my last request so I am re-submitting it. 

We canceled the time share within the allotted time based on our contract. XXXX XXXX and XXXX both stopped reporting the XXXX tradeline ( after several rounds of credit bureau disputing ) however, Experian is still reporting it. Additionally, Experian is reporting the debt as currently past due with brand new lates each and every month. The true date of last activity was back in XX/XX/XXXX. This is causing us to not be able to close escrow on our home. We just extended escrow 30 days but, must have the incorrect current lates removed and the account removed all together from our credit reports by XX/XX/XXXX. 

Company response: Company chooses not to provide a public response