AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I contacted my bank in order to stop the first time of a recurring month to month payment using my debit card, under FDIC Consumer regulations the bank is to allow me to do this if I contact them 3 business days before my payment is to go out. If I have contacted the other party, which I had I am able to according to this website https : XXXX stop my payment under the Stopping an automatic, recurring payment : section. Am allowed to stop the payment in such cases so that my account will not go negative, I may be liable for the payment at a later time, but I am certainly allowed to stop it at no charges to me. But my bank demanded they treat it as a stop check payment, incorrect banking regulations and then proceeded to demand I pay them {$30.00} to stop a {$7.00} payment I could not cover forcing me to accept improper banking regulations or to take a payment I could not handle that I was trying to stop using my RIGHTS. They do not know the proper regulations themselves, even the supervisor at the call center for bank of america treated me terribly and refused to help me and literally said yes to my quote of " bank of america is denying me a service they should give me, refused to acknowledge their mistakes now, and are forcing these fees upon me when I attempted to execute my rights to stop them, you guys are XXXX me over, literally handing me a XXXX then another one and saying go XXXX '' She literally agreed, said yes these are our policies and this is how we treat our customers. Now I realize profanity was not needed but I was angry and these people obviously had no intention of helping me even if this is the result of their incompetence and neglect. They hide behind a " computer system does not allow us to change what has already been set in motion '' tactic. I called the local branch for bank of america, and I asked if they would help me based on what had happened with customer service on their XXXX number. An apologetic but unable to help account associate got her manager who was the one i spoke to about coming in. She could see what happened in the account, she just refused to do anything about her company the one she works for ignoring banking regulations and she herself didnt even know that stopping a check and stopping a reccuring debit transaction are nowhere near the same thing. She agreed that their regulations were to ignore proper FDIC regulations, force me to take penalties so they could add penalties on to my account. I angrily took my debit bank card and Id from the desk they had them on and she threatened to call the police on me because I was angry that they were so blatantly and fradulently trying to cheapskate me out of pausing a $ XXXX month to month payment so that my account would not go red. Once again clearly outline in the FDIC consumer site under the Stopping an automatic, recurring payment : located HERE : https : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/1968 ESCALATE THIS TO YOUR LEAGLE DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX XXXX YOU MUST READ ALL DOCS XXXX. Old address on page MUST BE REMOVED REMOVE ALL FRAUD ALERTS AND REMOVE ID SECURTY ALERTS I DID NOT ASK YOU TO PLACE ON MY REPORT. 

BANKRUTCY MUST BE DELETED VIA COURT ODER SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX CASSE NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER TOWER FED XXXX XXXX ALSO MUST BE REMOVED VIA COURT ORDER READ ORDER IN CHAPTER XXXX FOR STATE OF VA. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Company has not provided me with billing statement and description of services. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was trying to get a mortgage for a condo purchase in XXXX XXXX, Florida and dealt with a mortgage broker called Perl in XXXX, Florida. They were rarely there to answer the phone during business hours, failed to return calls, and after saying I did not need a second appraisal on the property, asked for a new one which through their tardiness never got processed in time for an answer on the mortgage application. Their office manager, XXXX XXXX, acted unprofessionally and ineptly throughout the process. I hope others can be spared the experience I had with him and his firm. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: After a month long ordeal of begging Ditech to pay our property taxes from our escrow account and having to prove our property was indeed the size the signed mortgage and deed says it is, Ditech told us on XXXX XXXX, 2016 when we called in the morning that our already past due taxes would be paid to our township. We received a tracking number from XXXX for an envelope that was never shipped and was made on XXXX XXXX. We called Monday, Thursday, Friday and Saturday during the week on XXXX XXXX asking when our tax payment would be sent and notified them that the taxes are past due and will be turned over to our county on XXXX XXXX with additional late fees and a lien will be placed on our home. The lien could cause a ding on our perfect credit. The taxes are still not paid and funds were removed from our escrow account to cut the checks for the payments that were never sented. We have a previous complaint for this issue with the CFPB and Ditech was sent an official notice of error. 

Ditech has been provided with tax bills and contact information for our township. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a call from a man stating he was an attorney wanting me to call a number because of a bounced check. I called the number the lady was rude she said I was a liar and I furnished them with a check from XXXX XXXX XXXX I do n't have an account and a pay check stub. and that I could n't file fraud because I did n't have a police report I told her how can I file when I did n't have anything to file. the phone number of this company is XXXX claim number XXXX. I called the federal trade commission and they forwarded me to you. They said they are taking me to court and if I do n't show up I will have to pay triple of what they say I owe 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian Refuses to remove negative items and inquiries from Credit Report even though companies are unable to validate debts via signed contracts. Credit score incorrect. XXXX has been sent a notorized fraud affidavit. XXXX & XXXX are also on my credit file although the 3rd party debt collectors are unable to validate the debt. They are unable to provide a contract signed by me to validate the debt. Inquiries disputed but have yet to be removed. It 's past 30 days. Company not compliant with FCRA. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX/XXXX/2015 I put in for a loan modification with Bank of America back in XXXX 2015. I was six months behind on my mortgage. BOA came back said I was n't eligible for modification but they would put the loans payments that I was behind in the rear and extend my loan. Bank of America put me on a XXXX three-month trial mortgage payment of {$950.00} that I completed on time. I received the permanent modification paperwork and fax it back XXXX XXXX 2015 conveniently enough for them they did n't receive it so I refaxed it XXXX XXXX 2015 my case manager said do n't worry about it that would be fine. I received a letter on XXXX XXXX stating they did not receive my signed agreement and that I was denied for the modification and now I needed to start an appeal. Even though my case manager told me she had the signed copy in my file. I been getting the runaround they ca n't seem to find my paperwork I faxed at least XXXX times. I asked my case manager when would my second mortgage be looked at for a modification she told me she 'd start that day and asked me to fax a copy of my paycheck which I did XXXX times because they said they did n't get it. I soon received a letter saying I was denied for my second mortgage modification because I did n't make enough money, my salary is over {$50000.00} a year. I told my case manager that did n't make sense I thought this program was to help people that could n't make their payments. Now my case manager will not return my phone calls every number I call to BOA it sends me back to my case manager she 's never there, she does n't return my phone calls. I tried calling her supervisor he does n't call me back I 'm at my wits end I do n't know what to do. I called the housing assistance Corp they are the ones that helped me with modification in the beginning and she told me to put in a complaint with you, all I 'm looking for the little help to save my home. I see the balance on my mortgage getting bigger and bigger with the fees and the late charges please help. 
Thank you, XXXX XXXX/XXXX/15 Before completing this letter I received a letter today from BOA stating that my appeal has been denied. They stated that I was denied because they were unable to review my loan modification appeal because it did not satisfy the requirements for the appeal set forth the evaluation letter for example it may have been received after the deadline for an appeal or it may not have contained each of the required documents for the appeal. This makes absolutely no sense to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: `THIS HAS BEEN AN ONGOING DISPUTE WHICH CONTINENTAL FINANCE HAS BLATANTLY BEEN VIOLATING MY FEDERAL RIGHTS TO HAVE THIS GOOD STANDING ACCOUNT REPORTED! 

Since XX/XX/XXXX XXXX, XXXX ( I have all documentation ) I have been disputing and corresponding with a supervisor name XXXX regarding my XXXX credit card ( XXXX ) being reported to all XXXX bureaus. I have been emailing and sending documentation to him ever since. he has been telling me he will have it reported but has not. From the very beginning XX/XX/XXXX when I noticed on my credit reports it was not being reported I contacted continental finance. initially, it was n't being reported to both XXXX and XXXX. its since been reported to XXXX but still not to XXXX. XXXX XXXX, supervisor at continental finance informed me XX/XX/XXXX that continental finance was in fact, reporting it but XXXX had a security block and that was the problem why its not reflecting on XXXX ( I have a ltr from continental finance dtd XX/XX/XXXX ) I then disputed XXXX and received results on XX/XX/XXXX XXXX, XXXX ( report number XXXX ) and the concluded their was in fact NO BLOCKS WHATSOEVER! 
Since XX/XX/XXXX XXXX, XXXX ( have documentation ) I forwarded the XXXX results stating no blocks and wrote/contacted XXXX XXXX and noted their was NO BLOCKS!. I BEEN PLAYING PHONE TAG AND AWAITING BROKEN PROMISES FROM XXXX XXXX EVER SINCE. 

IN CONCLUSION : Their are no blocks on XXXX end! continental finance states a block is the reason it s not reflecting on my credit report. this is an old account with many years good standing. I HAVE BEEN IN TOUCH WITH CONTINENTIAL FINANCE REQUESTING/SENDING DOCUMENTATION SINCE XX/XX/XXXX XXXX, MORE RECENTLY IN XX/XX/XXXX XXXX, XXXX LTR AND COPY OF DOCUMENTION REFUTING THEIR CLAIM OF A SECURITY BLOCKTHEY BLATANTLY REFUSED TO COOPERATE WITH FEDERAL LAW AND REPORT THIS ACCONT ON MY CONSUMER REPORTS!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX I then sent copies of XXXX legal affidavits, the XXXX County Deeds Office letter response, and a letter informing PENN CREDIT CORP the following : I do n't know anything about this debt please send to the Original Creditor. The Account/Debt was established without my knowledge. 

As Resolution of this complaint, I ask that PENN CREDIT CORP stop all current and future correspondence with me and their company be erased from my current credit report. 


COMPLAINTS XXXX On XX/XX/XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, XXXX stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account PENN CREDIT CORP via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with PENN PENN CREDIT CORP ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). 

On XX/XX/XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County XXXX XXXX, XXXX, ( XXXX XXXX XXXX, Clerk Superior, State and XXXX Court, XXXX XXXX, XXXX ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XX/XX/XXXX I sent legal notarized affidavits from XXXX County, XXXX to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with PENN CREDIT CORP ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). 

On XX/XX/XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing PENN CREDIT CORP the following : I do n't know anything about this debt please send to the Original Creditor. 

As Resolution of this complaint, I ask that PENN CREDIT CORP stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a credit card with barclaycard us. I informed barclay of an unauthorized ( refund ) charge on my account by a merchant who send an email confirmation stating that this charge was refunded and should be refunded. I provided the refund confirmation email to barclay over a year ago to no avail. I have been back and forth with barclay for an entire year. The provided a provisional credit and then reverse the credit with no explanation. I last spoke with XXXX a customer representative of barclay on XXXX/XXXX/XXXX who confirmed that all the documents was received for the credit and she send an email to that department for processing. She informed me I will hear from barclay in 72 hours and no one contact me. I called again on XXXX/XXXX/XXXX and spoke with XXXX again and she again said someone will contact me when the charge is reverse. I did not receive any calls from anyone. I have received interest charges on this account for over a year and I am asking for the reversal of the charge and the all interest charges for this transaction over the entire year plus. 
The amount is {$210.00} and the company name is XXXX XXXX. XXXX has not respond and refuse to response since communication in XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have disputed an Old Debt that is being reported as a new debt by XXXX XXXX. This debt when into collection in XXXX. XXXX keeps changing the date on this debt and re-aging it to appear new. Last year they claim this collection was opened in XXXX. This year it shows as opened in XXXX. Every-time they re-report this debt as new, it knocks my credit score XXXX points. XXXX is a third-party debt collector, they are not the original owners of this debt. They are not the collection agency. I have disputed this with the credit bureau and they refuse to investigate or change the information. 

Company response: Company chooses not to provide a public response
Consumer complaint: The insurance company is responsible for this charge, I was and presently am a Federal employee and medical /dental insurance is extended 31 days after separation from employment. I left my job the same month I visited this dental office, they are aware of the 31 day extension and refuse to bill the correct party for this charge, the dental insurance company. I 've regained my Federal employment status and hold the same insurance. They sent this account to collections in error. They need to bill the insurance company and remove the fraudulent charge off of all my credit reports, they have caused me a tremendous hardship. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: They keep calling my Home phone #, my Cell Phone, my wife 's Cell phone continuously for two days now. They are looking for someone who has the same last name as me. I 've told them I do n't know them and they just keep calling & harassing my family. They are using the name of Evergreen Acquisitions, their # 's are XXXX, XXXX XXXX, XXXX XXXX It shows up as XXXX. XXXX on my caller ID. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: XXXX and XXXX - This judgement is not on either reports for XXXX and XXXX but it remains on Experian.It is invalid and can not be verified. I called the courthouse and they do not have this judgement on file with my name and address AND SSN. They even stated that they do not verify with credit bureaus anywhere. 

Sent to Experian 6 months ago : Judgment XXXX I am disputing the the type of public record and docket number. Please remove this item immediately because this does not match my records. Who did you verify this information with??? I talked to the courthouse and they stated that they do not verify with credit bureaus at all! And, If you verified with a third party, that is against the FCRA and I did not give anyone permission to do so. I have filed a complaint with the CFPB. Please see complaint attached. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am a victim of identity theft. We have been in the process of building a home for 6 months. Our credit was great and then in XXXX we had learned that my scores dropped significantly. I found that someone had opened up XXXX credit cards in my name & maxed them out immediately and now they are very past due.The accounts were all open in XX/XX/2015 and XX/XX/2015 and maxed immediately. The debts these thieves have incurred under my name is upwards of {$60000.00}. This is affecting us being able to close on our home and losing {$40000.00} we put down as a deposit. We are older and have no need for these accounts nor did we apply or open any accounts! 
We have a police report and have talked to the fraud dept with all the companies. XXXX of the companies have investigated and determined the accounts were, in fact, opened up by someone OTHER that me and they have removed it from credit and are continuing the investigation. The other companies have not and they are reporting inaccurate and fraudulent information on my credit file. I need this resolved asap please. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Debt Buyer XXXX XXXX reported on my credit as a new open account opened XX/XX/XXXX and negative reported XX/XX/XXXX. Called and they stated it was for XXXX XXXX, an account I never had, refused to provide contract - stated opened XX/XX/XXXX not XX/XX/XXXX - faxed letter of dispute refused to open, they are a debt buyer not the original creditor illegally reporting on my CBR for an account beyond the Statute of Limitations that does n't even belong to me 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a debt with an apartment community and had called the agency listed on my credit report. They told me that the account had been transferred to an alleged law firm. I attempted to contact this law firm to resolve the issue and was immediately questioning whether or not they were legitimate. I performed research on them and had found legal action taken against them, multiple complaints on the XXXX website, and many persons stating they were not legitimate. Thus, I contacted the firm about the issue and never received any real information on their practices or my debt. I asked them for a validation letter to be sent, but they never stated the address it would be sent to and did not disclose the information that would be on that letter, such as my rights under the FDCPA. Since my suspicion was risen, I contacted the apartments that I owe and they had stated that it was very strange for the account to be transferred to another agency and not be handled by National Credit Systems, since they only deal with that agency and not XXXX XXXX XXXX XXXX. A lady at the apartment had contacted National Credit Systems to confirm that the account was still under their care and had notified me that it was, so I called them back and got the same answer, that the account had been transferred to XXXX XXXX XXXX XXXX XXXX, apparently a company under the same umbrella as National Credit Systems. I attempted one last time to speak with them about the issue and not one thing was resolved and no other information was given to me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I got a {$300.00} payday loan from northern plains funding. I was not made aware that I would be paying over {$2000.00} to pay off my loan. They are currently taking {$90.00} from my account every payday stating that the {$90.00} is only paying for the interest. I have called to make payment arrangements and to get advice as to how to pay this off and they refuse to give any help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 've had XXXX credit cards with Citibank since XX/XX/XXXX. XXXX is a Thank You card and the other is a Diamond card. On XX/XX/2015 I changed bank accounts and tried to change my autopay to the new banking information on the Citibank website. The Citibank website would not let me do this, so I called customer service. The agent stated that I had to cancel the current autopay with old information and resubmit with the new information. I did this with the agent walking me through the change and it stated the transaction was pending and would take up to 2 business days and the next payment was XX/XX/XXXX. I then received a notice that I was 35 days late ( on the Diamond Card ) in XX/XX/XXXX when I contacted Citibank they said that autopay was cancelled although it still stated that it was pending. ( I took a screen shot of the pending transaction ) This caused a ding on my credit and a few days later they reduced my limit on the Thank you card from XXXX down to XXXX only {$100.00} above my balance without notice, which caused that card to go over the limit. I contacted Citibank customer service 7 times and spoke to XXXX different people trying to get this resolved. Then they automatically pulled a payment from my old checking account ( They told me autopay was cancelled ) and this caused an overdraft on my old checking since I moved all my money to the new account. The last customer service agent hung up on me so I stopped calling. I disputed the ding on my credit but I am not sure where to turn at this point. 

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