AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: SOUTHWEST CREDIT SYSTEMS Address : XXXX XXXX XXXX # XXXX XXXX, TX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX Address Identification Number : XXXX Status : Collection account. {$180.00} past due as of XXXX XXXX. 
Status Details : This account is scheduled to continue on record until XXXX XXXX. 


Date Opened : XXXX Reported Since : XXXX Date of Status : XXXX Last Reported : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$180.00} High Balance : NA Recent Balance : {$180.00} as of XXXX Recent Payment : {$0.00} ( Someone fraudulentlyopened up an account ) and my address for the last 2years XXXX, XXXX Nh XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Suntrust Bank acquired several fraudulent student fin'l aid loans in my name. They refuse to discuss these with me and provide chain of possession information about them. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Went to pay loan in full ( {$1500.00} ) within 90 days of no interest terms. Duvera financial revoked all terms of contract, applied back interest to date loan was originally issued because I was now calling 4 days past first payment date.Said I now owed Duvera $ XXXX+ to Resolve loan. Refuse to help me resolve loan that day and still till now until I pay their demands. Now they say I owe them {$2400.00} for a loan that is only 5 months old. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX and Transunion reported that my XX/XX/XXXX payment on my XXXX XXXX XXXX lease for a black XX/XX/XXXX XXXX was 30-60 days late. The attached shows that I do not have a payment due until XXXX XXXX and that I paid the payment due XXXX on XX/XX/XXXX, the payment due on XXXX was paid on XX/XX/XXXX, the payment due on XXXX was paid on XX/XX/XXXX and the payment due on XXXX was paid on XX/XX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: This is with respect to my experience with Bank of America, XXXX, NJ Branch. I contacted them for a pre qualification of a mortgage loan before I can put an offer on a house I was interested in buying. I made it very clear to them that this is just pre-qualification and asked them if doing it will have any impact on my credit report, and if it did then I do n't want to proceed with them. They made it very clear that this will only be a soft check and it will in no way affect my credit history/report. I went ahead with the pre-qualification with them based on this assurance. However to my surprise my credit history was affected as they run a hard check on my SSN. When I contacted them asking for explanation, the person said she was not aware of it and said she was sorry, but said there was no way to fix it. This happened on XXXX/XXXX/2015. I even complained to the BOA redressal cell, but never got a response back from them. They never resolved this issue and I reached out to a person who asked me to call him for resolving the issue and he never got back to me nor to my message. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Based on the Making Home Affordable Program Performance Report through XX/XX/2015, of the XXXX Tier II modification awarded by Wells Fargo, how many home owners from the XXXX XXXX, XXXX XXXX XXXX received these modifications? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I acquired {$4300.00} worth of furniture from Value City back on XXXX XXXX. I did not pay cash because I was offered a no interest promotion for the next 24 months until I pay all the balance off. Contrary to my understanding the promotion was with a third party and with a credit card with a 29 % interest from Synchrony Bank, which I got to know just when I received my first bill on XXXX XXXX. 

Anticipating all the hassle that a furniture return was going to cause, and because I liked what I got, I kept it, and started making my payments with the intention of paying the balance off during the next 24 months. 
Not too long after that, I agreed to set an automatic monthly payment from my bank to Synchrony bank and to receive paperless bills, so the payments were taken from my bank account every month. Everything seem to work well until a week ago, on XXXX when I noticed that my debt was still close to the amount where I started a year before. I called the bank and a representative informed me that I was supposed to pay the balance off on XXXX/XXXX/XXXX and because I did not, the interest was calculated since XXXX at 29 % and it is now : {$4100.00} I was surprised and I explained what the agreement was for 24 months but she denied it. I asked to be transferred with her supervisor and she transferred me with XXXX with ID. XXXX who told me that " she gets multiple calls like mine and she can not change anything '' she added " I can not help if you were not proactive with your account '' As my last resource I offered to pay, at that moment, all the remaining balance until XXXX/XXXX/XXXX, which based in my calculations was : {$2400.00} but she did not want to accept it. I asked her what else I could do to avoid paying almost {$2000.00} in interest, which I consider is not an honest transaction, and she did not offer any other option but to pay all what they are pretending. 
I was left hopeless and afraid of the consequences, since I have an excellent credit and I do not want to put my finances in jeopardy for something I consider a dishonest practice. I could even have agreed to pay the interest that had been charge for XXXX, XXXX and XXXX XXXXplus my balance until XXXX/XXXX/XXXX but no more than that. 
I found your web page and what you do, over the internet, and I regained some confidence. I hope you can help me to arrive to an honest agreement with Synchrony Bank. 
Sincerely ; XXXX XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Multiple instances of merchants conducting unauthorized billing against my Bank of America bank account. Reported claim to Bank of America. Have not received all claim documents in the mail. Unable to complete form online. Completed some documents via mail. Bank of America should resolve complaints and allow me to certify claims online. Their online claims certification tool is not working. Please ensure all documents that need to be completed have been sent. Undue burden of pursuing claims. 

Company response: Company chooses not to provide a public response
Consumer complaint: Have received collection notice but never received a bill from the supposed creditor. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was robo signed into foreclosure by XXXX because of the robo foreclosure they aggreed to settle the account for no more than the balance before I missed a payment I attempted to get a loan modification over many months where I was told first I made to much money, then not enough to allow a modification. 
through out this ordeal my arears kept fluctuating, 1 month it was XXXX then the next month it was XXXX. 
I ask for an accounting and never received it My attorney filled for arbitration on the modification and we had a hearing with the arbitrator. 
One week before meeting with the arbitrator I was layed off so the bank told the arbitrator it was a mute point to continue, which I agreed to but made sure I ask for an accounting of arrears for the record and the banks counsel said we would have it in a week.4 years later I am still waiting on it. 
Soon after that XXXX went into bankrupcy and were aquired by Green Tree Capitol. 
Again I started the process of a loan modification and trying to get an accounting of the arrears For 6 months I supplied the information they requested in their time frame only to be told they need something different before they could approve it. 
Durring this time I had a date for sherifs sale of XXXX XXXX 2013 and dozens of letters from Greentree stating they would not pursue any foreclosure/sale action as long as there was an active modification in process. 
In XXXX and XXXX I called Greentree 2 to 3 times a week asking if they needed anything to process the modification and also talk to them about canceling the sherifs sale per their own written policy that it would not be pursued, and was always told do not worry about the sale it would be canceled I met with an attorney in early XXXX, showed him the letters stating Greentree would not purse action while in the modification and he told me that was their XXXX XXXX and they would proceed regardless of what the letters said going into XXXX weekly I submitted more paperwork followed by a phone call asking if they had everything and asked when they would cancel the sale, which they assureed me they would and had plenty of time and then they would send a letter asking for something different. This went on untill a week before the sale with my last conversation was they would cancel the sale. 
The week of the sale I called 5 to 10 times a day and no one would talk to me about my modification and when they would be canceling the sale. 
Finally at XXXX the afternoon before the XXXX sale someone picked up my call and told me they changed their mind the sale was going through and i should not have gotten behind I then called the Ohio XXXX office and someone reached out to them with no avail. 
The result of the sale was @ loan balance {$280000.00} sale price {$500000.00} and needing to move out at XXXX. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: In XXXX XXXX Bank of America discontinued sending me statements and bills for a credit card I had with them. I had closed the account and was paying off the balance. Since I had many accounts at that time I really did not notice I was n't getting statements. I never received a single letter, phone call, or other notice that the account was delinquent. In XXXX of XXXX I discovered that they had charged off the debt and it was a huge blemish on my credit. I immediately contacted them, and requested copies of past statements and notices, as well as notifying them Imwanted to pay the debt. I never heard from them, nor did I receive any of the requested information. In XXXX I received a notice in the mail that they had cancelled the debt and I had to report the income to the IRS on my taxes. This is incompetence at best, and it has destroyed my credit rating. Bank of America has made no effort to collect this debt despite my attempts to resolve this issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company refuses to provide verification and validation of debt. i have never had a XXXX memebership 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I settled with XXXX bank and XXXX XXXX XXXX and they are still reporting my full original balance due on credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I do not have proof this is my debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: I asked for proof of the debt they never sent it to me and now they put it on my credit report again after I disputed this with another company before this last XXXX and they still keep dragging my credit for an account they can not prove that is mines I never had XXXX in 2010 cuz I did n't even live at this address when they claimed I had this account and I want them to stop doing this to me 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: 1. I refinanced my auto loan from US Bank to XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. XXXX submitted XXXX Bank a check for {$19000.00}. This payoff amount was quoted to me on XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, I had notified US Bank about cancelling an extended warranty that was purchased from the XXXX dealership when I initially purchased the vehicle. I was told that the amount would be around {$3200.00} and it would be credited back to my loan with US Bank. A representative told me that it would take XXXX wks for processing. However, it took longer than expected. I even notified US Bank about this and their representative assured me that this would be taken care of in a timely manner. The lady told me it was n't necessary to submit the XXXX payment because the {$3200.00} cancellation of the extended warranty would be processed as my XXXX payment. I made several phone calls to US Bank inquiring about the status of the check submitted by the XXXX dealership. 
2. I would like for US Bank to take responsibility for this error on their part. They have reported a 30 day late payment on my credit report. This has caused a major inconvenience to me and my family. As a result, this has lowered my credit score XXXX points. I am requesting that US Bank remove this adverse action from my credit so my credit file can be restored. 
3. Not only did this error effect my credit score, I also discovered that US Bank had misquoted my payoff on XXXX XXXX, XXXX. According to their records, there was a stop payment issued on the initial check for cancelling the extended warranty. Unfortunately, another check was issued and I was given credit for XXXX cancellations in error. This definitely caused a major inconvenience with XXXX XXXX XXXX XXXX and myself. I had to make several visits to RFCU to resolve this matter, which resulted in me having to do additional financing to support my remaining payoff with US Bank. This caused me to get an extremely high interest rate on the new loan for {$3200.00}. And I have been charged excessive daily interest by US Bank because they were n't paid in full. This was their error and they should 've waived the interest charged to my loan. 
4. I have documentation of my XXXX Mercedes Benz C-Class vehicle being paid off by XXXX. The XXXX check submitted was {$19000.00} and the second check is being submitted in the amount of {$3200.00}. I have lost wages from work having to make all those visits to XXXX. US Bank has not taken responsibility for this major inconvenience. They only have admitted to misquoting my initial payoff in error. They have not agreed to offer me any type of consolation, nor have they offered an apology. They have been extremely unprofessional and have shifted the blame on me. 
5. After thorough investigation, I would like that XXXX, XXXX XXXX -day late payment to be removed from my credit file. 


Thank you in advance, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My loan has many, many mistakes from predatory lending when I did not qualify. I 've been told from many real estate Lawyers to file a complaint. I 'm XXXX and on SSI and been in my condo for 28 years. Also I had a research company run my loan and found over XXXX discrepancies,,, help me please. Wells Fargo say it 's fine.I WANT TO KEEP, MY CONDO, THANKS 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We want to know why Wells Fargo started the foreclosure process in a letter dated XXXX/XXXX/13 when we completed the list of requirement and promptly returned phone calls and made additional calls to XXXX XXXX of Wells Fargo. 
Why have n't all letter been sent to the Consumer Financial protection bureau especially the completed RMA 's with all additional information that XXXX XXXX of Wells Fargo requested, information that we have sent to Wells Fargo between XXXX 2013 and XXXX 2013, and a letter dated XXXX/XXXX/2013 that stated that Wells Fargo has referred our mortgage to their foreclosure attorney and the foreclosure process has begun. 
We would like to know why we needed the help of Congressman XXXX office to contact Wells Fargo despite our tireless effort to contact XXXX XXXX and Wells Fargo Between XXXX 2013 and XXXX 2013. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX issued a {$50.00} " rebate card '' that showed an expiration date but did not state anywhere on the card that the balance was forfeited at that time. The call center manager XXXX agreed that this was deceptive and had me contact his supervisor, XXXX Agent ID XXXX, a member of corporate support team CITI prepaid. Their phone number is XXXX. The card number is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This is a horrible practice and should have the same 5 yr ( at a minimum ) time limit that gift cards have as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a debit from Southern Management, I called and spoke to them stating I never gave permission to use my financial information to be used for this debit and to please stop calling my cell number. They are rude on the phone when trying to explain to them and they will not stop calling me. I have already disputed this on my credit report and it has been removed by XXXX. I have also filed a complaint with XXXX as well. These folks need to know that they just can not harass people in this manner. Thank you 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have requested verification and validation of debt several times and this company refuses to provide any information to me. I am disputing this debt because its not mine. I also dont believe this company is bonded to collect in my state. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with Transunion. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had been working for Supreme Lending in XXXX XXXX, MN off XXXX XXXX in the XXXX XXXX building in XXXX 2015- XXXX XXXX 2015. They had shown me how to alter a XXXX after a borrower has signed and dated it, including changing the name and address of the borrower. I know this to be against what is acceptable and so I refused to do it. They fired me shortly after however, they still use edit pro to change XXXX without borrowers consent. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX 2015, we applied for an auto loan with USAA ... which was immediately approved. Intent was to be pre-approved before looking for a new car. USAA gave us XXXX days to execute the loan, offer ending on XXXX XXXX 2015. Two weeks later, on XXXX XXXX 2015, we found and purchased a vehicle using the USAA pre-approval check provided. The following week on XXXX XXXX 2015, USAA sent us an addendum to the loan documents showing the loan start date of XXXX XXXX 2015 ... the original pre-approval date, not the actual purchase date of XXXX XXXX 2015. We contacted USAA and spoke to a Customer Service Representative ( CSR ), who researched the sale and spoke to a supervisor. The CSR informed us that though the Loan date would be shown as XXXX XXXX, interest would not start until the sale date of XXXX XXXX 2015. We then sent a written request via email requesting that this information be provided in writing. We received a email reply the following day XXXX XXXX 2015, from XXXX XXXX at USAA. She stated that the information provided was incorrect, and that we were in fact being charged interest on the auto loan effective the approval date of XXXX XXXX 2015. 
We requested that USAA review the legality of this practice, and answer we received was that this is the way we always do it. We realize that this is a minimal financial issue per loan. By my calculation, it cost us approximately {$25.00} in this transaction. However, if this is a legal and allowed practice, then this is being done to a lot of unsuspecting consumers. In searching the loan documents, there is no disclosure indicating that this is a condition. I ca n't imagine having been charged interest on my mortgage approval pending the completion of the house, nor being charged interest on my credit cards based on the limit instead of the balance. So, is this legal? To start charging interest on a loan as soon as it is approved, not when it 's actually used? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello - I am hoping you can help me with an issue that seems to be spiraling out of control. I have multiple credit cards that are owned/handled by synchrony bank. My husband left a year ago and as a result my finances were severely impacted and I missed a payment here and there on those cards. Some, however, I have never missed. As a result, Synchrony began systematically canceling my credit cards stating " serious delinquency, time since delinquency is to recent or unknown, revolving accounts is too high, number of accounts with delinquency. '' While I do not dispute that I have missed a payment from time to time, I do have a MASSIVE issue with the fact that, at this point, Synchrony bank is single handedly ruining my credit by continuing to cancel credit card after credit card, many of which were COMPLETELY paid off. I have no idea what my recourses are at this point, and I need some help/advice on what to do to resolve this snowballing problem. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response