AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Hello, I am an XXXX XXXX member and due to the hacking incident several months ago, I added a fraud alert. Now, I am moving and need to open a utility account with XXXX & XXXX for electricity. However, the utility company will not allow me to open an account with out a large deposit because they tell me that Experian does not allow it. I have researched this issue online for hours. I called Experian 's XXXX XXXX numbers and went thru every option on the menu and can not get a live person to help me figure this out. I called their sales department hoping that they can refer me to a phone number or a person to help me and they told me if I do n't have an account ( and pay Experian ) I wo n't be able to talk to anyone. I have exhausted all options and 3 weeks. Please advise. Thank you so much for your help. You are the only reason that these large companies respond to people like me. 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I signed up with an online binary options broker ( XXXX ) located overseas and deposited {$250.00}. Then I learned that the CFTC and the SEC prohibit foreign options brokers from accepting, targeting and marketing to Americans because of the high rate of fraud. I have experienced great difficulty with this broker : altered trading clocks, frozen login, non responsive emails. Just like the CFTC describes in its website. I opened a dispute with Citi Bank credit cards but they denied even though I submitted ample evidence. They took the broker 's response at face value and ignored the fact that XXXX and XXXX are approving transactions involving illegal merchants, which I was unaware of. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've been contacted recently by a Debt Collector with the most smelly attitude on earth weeks ago, the. She recently contacted me again threatening me that I have til the XXXX to pay my overdraft of {$120.00} from XXXX bank. But when I received the letter last week Monday, XXXX XXXX the letter informed that I have 30 days. But having her contact me knowing that I am in school at the age of XXXX trying to pursue my career especially off of a different number with a local area code is really rude of her to do so with the same attitude. I tried to inform her to do not call me anymore but she hung up the phone. Which is really unprofessional -- she needs to go back to school and pay her own debts. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been getting calls for the last year or so regarding a debt from Western Sky my husband and I took out in XXXX of 2013. I was unaware of the high interest rates on this loan and there came a point to where I could no longer afford to make payments. After getting calls from fraudulent lawyers stating that they were suing me for the debt owed I started doing some research. I was told XXXX different companies had my purchased my debt, when I called all XXXX companies none of them could give me a straight answer as to who now holds my debt and I can make a payment to remove said debt. I got a call this morning from XXXX .... told me that I will be having certified documents sent to my residence and that I had to show XXXX forms of id to receive said documents. I asked if XXXX XXXX XXXX could n't send me a pay off breakdown and a breakdown of my debt. I was sent a settlement letter from XXXX XXXX XXXX a few moments later with the settlement amount for the debt. I asked again for a breakdown of the debt it self and what all the charges were for, I got a voicemail from XXXX stating that he could tell me the amounts over the phone. So I called back and asked for the debt breakdown so that I know this company inst fraud. they would not provide me with this information. So here I am now filing a complaint. I want them to stop harassing me and provide me with the correct information so I can get this debt paid and removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX has failed to validate a debt that they say I owe them. They have never responded to any of my requests. I have never done business with XXXX XXXX. I have asked to see a contract that requires me to do business with them and they ignore me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Called the credit card company to inquiry on account number, after being explained that they couldnt give me the number i said i wanted the account closed and the associate asked to confirm the closure for which i didnt give an answer to since i was doubting myself if i should do it. after a nasty attitute from the associate, i was going to say to leave the card open and she said she had closed the account already without giving me the chance to confirm my choice or giving me the required the disclosures. i found out later that i needed to reapply again and have another hard inquiry on my credit in order to get the card again. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a mortgage though PennyMac and have had XXXX instances of them obtaining insurance on my behalf which was inappropriate. 

In the XXXX case, I was notified by PennyMac that I was no longer required to hold Flood Insurance as FEMA had reclassified my location. I returned their form letter in XXXX of XXXX requesting that they not pay that insurance when it renewed. In XXXX of XXXX, PennyMac paid the renewal in spite of my written direction. After more than XXXX calls to their insurance and escrow departments, I gave up - not having received any money back. 

In the XXXX case, PennyMac had renewed my home owners insurance through XXXX XXXX in XXXX XXXX and for reasons that I have not been able to determine paid for a second home owners from a company called XXXX XXXX in XXXX of XXXX. I believe that they were scammed by someone posing as a XXXX XXXX employee, as XXXX XXXX denies having anything in my name and does not do business in XXXX. Once again, I have been completely unable to get PennyMac to re-imburse me for the missing funds. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I went through a bankruptcy and came out with a negative balance for my insurance and taxes against my home after 5 years with interest. I request a modification and it took close to two years and the loan was only modify by adding the balance back to loan and the rate stayed the same and I ask why the rate stayed the same I was told that the modification was to ketch me up not make it comfortable. My payments was XXXX and thru my trial modification XXXX a month. Now I am asked to pay over XXXX a month. I also found out that a lean was put on my property. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a customer of US Bank for over 15 years, My mortgage is due on the XXXX of each month, but not past due until the XXXX of each month. I refinanced my home with them a few months ago, now I get collection calls starting on the XXXX of the month and multiple statements showing a past due amount, when in fact, nothing is past due. I have gotten over XXXX calls from their collections people in the past 2 days, even after I called them and told them that there is nothing past due. 

Company response: Company chooses not to provide a public response
Consumer complaint: After my first inital complaint ( XXXX ) I was contacted on my cell phone by someone at WellsFargo. I missed the call and called the number directly back. After speaking to the lady who answered the phone I was transferred to another lady, only to be disconnected during that transfer. Luckly I had the phone number and extension and called it right back, only to get a voicemail. I left a message and it took 2-3 days for a recall call. After being told my home specialist was changed from XXXX, who never returned my calls and was rude I was told I have an XXXX. I called XXXX direct number and left a message on XXXX/XXXX/15 @ XXXX to return my call. After not being called back I called and left another messsage on XXXX @ XXXX pm.. I still was not called back. I left another message on XX/XX/XXXX @ XXXX, finally I called again at XXXX using a different method other than his direct line. Needless to say he answered. When he asked what I needed, I explained I just wanted to know what was going on with my account. He said I needed XXXX full payments or I could do a short sale or foreclosure. I had explained how I had left him several messages and had left XXXX several as well. I tried leaving a payment on XXXX voicemail a month or so ago since she never called back. XXXX explained they can not take payments from voicemail. I was never called and told that, so how would I have known. No one calls back nor do they care if a family is about to lose thier home. I had sent XXXX the paperwork she requested when she was over my loan and even a letter explaining how my husband at the time had lost his job. I have to wonder if by me doing these complaints, is Wellsfargo is going to make this worse for me? 
This bank does n't seem to care and after reading all the complaints online I see why they get them. I do n't even know what to do or where to turn. 

Company response: Company chooses not to provide a public response
Consumer complaint: RE : Case ID XXXX business account is with Bank of America. The account was overdrawn by {$1.00} and there was a check deposited that had not cashed yet so I was charged a {$75.00} fee. I requested they review my business account since this was the first time this event happened. I spoke with XXXX XXXX on XXXX/XXXX/15 in the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX branch and he assured me it would be no problem and he would have to review the account. When I checked my account a few days later the {$75.00} fee was nit returned. I went back in on XXXX/XXXX/15 and Spoke to XXXX XXXX and he stated that he could not do anything about it. I asked to speak to a manager and was told that they were not on the premises. This issue was not resolved and I do n't feel I given the right courtesy for a business client. THIS IS HOW GRATEFUL AND LOYAL BANK OF AMERICA ARE T THEIR BUSINESS CLIENTS. I will NEVER bank with Bank Of America again! 

Company response: Company chooses not to provide a public response
Consumer complaint: After many calls from the company who stated that they could assist us with getting a better rate on our home mortgage, we promptly sent all our personal informationand signed e-documents to XXXX XXXX of Network Captial Funding. He initiallyappeared to be very upfront, honest and knowledgeable. But was pushing us toget all the stuff to him so we could close by end of month. We asked him straight upif they could do honestly do the loan before we gave our CC number for the appraisal. XXXX was very confident that they would successfully be able to completethe process quickly. But after the appraisal we heard nothing from XXXX. Whenwe by chance got him, his response was brief " It is out of my hands, I only assist with the initial part. '' Four weeks have gone by and no copy of our appraisal wassent to us and no calls or updates provided. We have emailed XXXX and the companyand nothing. We have called numerous times and now we get only voice messageseven from the companies main number. Its like they have dropped off the face of the earth with our personal information, and money for the appraisal. We feel totally taken advantage of and feel like this company should reimburse our money. We didnot call them initially they hounded us. If they could not have done the loan whynot just be forcoming and honest. I think there should be a fine for companies thattake advantage of the consumers. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: XXXX # XXXXThis collection agency is collecting for XXXX, which they bought the debt from. Enclosed is a letter and an invoice from them, which they are saying is enough to verify and validate the debt under 15 USC sec. 1692g. THE LETTER AND INVOICE IS NOT VERIFICATION AND VALIDATION. THIS ACCOUNT WAS ESTABLISHED THROUGH ID THEFT AND FRAUD AND I NEVER HAD AN ACCOUNT WITH XXXX. I ASKED THEM FOR 2 YEARS NOW FOR A COPY OF THE CONSUMER CONTRACT WITH MY SIGNATURE ON IT AND THEY CAN NOT PROVIDE THIS INFORMATION AS EVINCED BY THE ENCLOSED LETTER. I never had an account with XXXX and this account is also re-aged and reinserted as it was removed before. 

Company response: Company chooses not to provide a public response
Consumer complaint: The interest was XXXX apr. and would get paid down to around XXXX they would reloan and back to the full loan value which was XXXX plus their interest. We ended up paying it off the loan value paid was around XXXX. Which started out yo be XXXX. Was notified that the place could n't loan in the state of In. not for more than XXXX. Cashcall is the name of bussiness calling to try to collect money back. Then it went into XXXX, Then it went into XXXX XXXX then we got in with XXXX XXXX and made payment arrangements to pay it off thru them. It 's paid in full but XXXX say 's they need their money. What step can we do to get our money back. Thanks XXXX XXXX e-mail me with the answer or call XXXX and talk to XXXX XXXX which handles my finances. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a vehicle in XXXX of 2014 and put XXXX down payment. They atattacjhefattached insurance that I already had on my vehicle and would n't take itoff which made my car payment hard for me to make. When they came to rereposses my car I called Lobel, to make a payment and the tow truckdriver started to scream at the finance company on the phone andphysically threatening me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My Primary mortgage XXXX, that has been the subject of previous communications has been foreclosed, or more precisely the foreclosure sale date has been set for XXXX XXXX, 2015. 
I applied for the NC Foreclosure Prevention Fund, for the MPP. The sale date was stayed. In XXXX, I was notified by MPP, that my application was removed for consideration, so the foreclosure sale date was set for XXXX XXXX, 2015. 
I have a pending sale date on another property that I own, that will provide enough cash, to reinstate my Primary Mortgage. This sale of this other property, has been delayed by weather ( rain ), the surveyors are behind schedule on several of their clients and can not perform duties until after the foreclosure sale date. This was true for several surveyors. 
I request that the Foreclosure sale date be deferred for 2 months, to be sure the survey and closing can be completed. Closing will occur asap, I request 2 months, to allow enough time, in case there are further delays, preventing surveyors, closing attorneys, etc from completing their tasks, especially in consideration of this busiest time of year, for real estate. 

Company response: Company chooses not to provide a public response
Consumer complaint: My info was crisscrossed with that of my father. HE has a tax lien that appears on MY Experian credit report and not on HIS.. although this same item appears on both HIS XXXX and XXXX reports and not on MINE. Item in reference docket # XXXX. Upon further investigation noticed that the addresses of XXXX XXXX County recorder differ from my Experian report and his XXXX reports from XXXX and XXXX but ALL XXXX have the exact same dollar amount due {$7400.00}. and SAME docket reference number # XXXX. documents uploaded to support my dispute. 

Company response: Company chooses not to provide a public response
Consumer complaint: Contacted ERC directly and via CFPB regarding a debt that was not mine after I received a letter in the mail. Within XXXX hours of receipt, I contacted ERC by phone and by mail indicating that this account was a result of theft and I had no knowledge of the account. I provided a police report and FTC affidavit. I was I was told that this issue was resolved ( ERC also indicated such via the CFPB complaint that I filed ), yet ERC just placed a collection on my XXXX report for the same amount but with a service date of XXXX 2015-XXXX 2015. This is not correct as I have never had service. A police report has been provided and it has already been removed from my report once. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: My bank sent me a XXXX Cancellation of debt. They forgave my debt but still wanted me to make payments on that account. My property was not foreclosed or sold. I sent letters and have made many calls but I have not received a response. The bank then sold or transferred my loan to another bank. I have not made payment on this loan since XXXX 2014 and now they want to foreclose on my property. I just do n't see it fair since they took a tax break and I had to report the XXXX on my taxes. 

Company response: Company chooses not to provide a public response
Consumer complaint: This complaint is associated with a home loan I was applying for with Bank of America. Details of this issue are included with the attached letter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had entered into a loan modification with XXXX XXXX XXXX at the beginning of XX/XX/XXXX. By the time all the paperwork had been completed, PennyMac had purchased my mortgage and had began servicing the loan. The completed modification documents were submitted to PennyMac, after all the trial payments had been made, by XX/XX/XXXX according to the PennyMac records. There was no mention made of any missing documents or any problems with the paperwork. Shortly afterwards, I began receiving billing statements from PennyMac showing that I owed over {$2000.00}. I then called only to be told that the modification was still being processed and to ignore the statement. I began to regularly communicate with PennyMac loan services to which I was told repeatedly that the modification was being processed and to " give it another 30 days ''. When tax season came around, the XXXX showed that I had only paid approximately {$2000.00} in property taxes and insurance premiums on the loan. After finally contacting someone other than a CSR, I was told that a document was missing from the modification which was delaying the entire process, my credit would be repaired and that a Senior Vice President was working on correcting my XXXX form. I was only six days ago that I received a phone call from a PennyMac CSR whom informed me that PennyMac was issuing a Notice of Intent to Foreclose on the property when I had made all my payments, fulfilled the stipulations of the Loan modification and followed the advice from the PennyMac employees. AT this point, PennyMac has reported that I am approximately 16 months behind on my mortgage payments. 
After doing some research, I discovered that this particular chain of events was anything but " happenstance '' as PennyMac has a history of following this pattern of action usually resulting in several of their clients having to file bankruptcy in order to distance themselves from PennyMac, XXXX XXXX XXXX, and XXXX. This is a clear violation of XXXX XXXX by practicing willful negligence by " losing '' loan modification paperwork while damaging consumers credit rating and proceeding with foreclosure proceedings against numerous consumers who are NOT a foreclosure risk. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I opened check account with XXXX XXXX XXXX, XXXX TX on XXXX XXXX 2015 and the banker helping me with account clearly told that there is no minimum balance needed. I told him that I will be going to XXXX on XXXX XXXX. On XXXX XXXX, XXXX transferred my account to BB & T as BB & T bought all XXXX in Texas. BB & T says that they received my account from XXXX with a negative balance of {$59.00} and BB & T threatening me that they will charge off my account and report it for collection if I do not pay. XXXX says that they reversed {$59.00} charge ( {$25.00} for checks and {$34.00} overdraft fee ) as it is not of my fault to receive stale ( not usable ) checks and my account was transferred to BB & T with ZERO balance but not negative. I am sandwiched between these XXXX banks as XXXX and BT & T refused to talk to each other as they said that they are not allowed to discuss about customer accounts as they are separate banks. After several phone calls and several requests, XXXX gave me a ticket number for the case but have not heard back from them yet. Meanwhile, BB & T is threatening me via phone call that they will take further steps to collect {$59.00}. To avoid further complications and effect on my credit, I requested my nephew to pay {$59.00} into my BB & T account and requested them to close the account. 
I am a victim of the sale of XXXX to BB & T and it is totally unfair for both banks not to talk to each other to resolve the error and putting customer in great trouble to the extent of ruining their credit for no fault of theirs. 

I request your authorities to talk to these both banks and ask them to help me to resolve this issue. I am sure that there might be more customers in this situation and victimised. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a new customer of Suntrust bank. When offered, I opted into overdraft protection, assuming there would be commercially reasonable terms as I experienced with XXXX XXXX XXXX applied to my account. In fact there were not. They charged are total of {$140.00} of fees to me for transactions that had, in fact, overdrafted my account by {$42.00}. When I called, they said they only charged fees for transactions over {$5.00}. XXXX of the fees they charged in fact violated that policy by being for {$3.00} each. They voluntarily refunded XXXX unspecified fees as a matter of courtesy. There policy is n't in line with XXXX XXXX XXXX, which exempts transactions under {$10.00}, and XXXX goes out of its way to notify you that your account has been overdrawn via text message and e-mail. Clearly, Suntrust is out of line with public policy, and their checking account contract of adhesion is out of line with the common law in this country. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: A personal check was made out to me and a XXXX party ( i.e. XXXX AND XXXX ). Bank of America accepted this check with only XXXX signature and deposited it into the XXXX party 's personal bank account. 

Company response: Company chooses not to provide a public response