AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: A company named Cooper Hoffman Klein and Associates called and stated they were investigating my bank account and I would be sent for prosecution for a debt for a payday loan from 6 years ago, they threatened to file a claim that would garnish me, send me to jail if I did not pay them XXXX today XX/XX/XXXX and the remained of the money in XXXX payments XX/XX/XXXX. I asked for proof the debt that they said they would e-mail me and I have not received anything they said I was a low life and I know I owe the money and it is time to pay. The represent themselves as a law-firm but I can not find anything about the firm. When I googled the company and phone numbers everything states it is a scam. They would not give me the address of the firm.They have called my parents leaving information about my so called debt while speaking with them. My parents are elderly and this is very upsetting to them. The phone numbers they call from are XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Collection agency in Florida continues to harass my home by calling and leaving no message although I have called them and asked to be removed from phone base and informed them person they are attempting to reach ( XXXX XXXX ) has never lived here and is unknown to me! There are numerous complaints an line regarding these creatures and nothing seems to be done regarding the problem. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My credit card bank checks were stolen from my mailbox. 
Someone used one of them and cashed at a bank for {$14000.00} not associated to the credit card company that issued the checks. That bank processed it even though they held the check but released it after 7 days. The bank then charged another {$440.00} check transaction fee. Total damage {$15000.00} in credit card fraud. 
My credit card company has no feature to block any transactions over 'x ' amount of dollars. It could have been prevented if they had this feature 

Company response: Company chooses not to provide a public response
Consumer complaint: We applied for a loss and mitigation to our bank, and it was pre-approved. After months of the arrangement they stopped the loss and mitigation, did not received our checks, and filed a demand on US Court. After two years in court the judge decided the case was dismissed with prejudice on our favor. 

Company response: Company chooses not to provide a public response
Consumer complaint: my credit report lists a lien, concerning which I have no knowledge. 
I was not aware this was on my report until I recently checked updated credit reports from allXXXX agencies. 

Company response: Company chooses not to provide a public response
Consumer complaint: Trans Union reports from XXXX to hard inquiry 's on the same day that I did not ask for I did n't ask for a credit increase or a credit card they should not have done one at all thanks XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a loan modification with Wells Fargo after I filed for bankruptcy protection Chapter XXXX to reorganize my debts. I was approved for a Trial Loan Modification and Trial Plan Payments ( TPP ) under the HAMP Tier II program. The TPP started in XXXX 2015 and would continue for three months or until Wells Fargo approved the permanent loan modification. 
I consistently made the XXXX, XXXX, XXXX, XXXX, XXXX and XXXX 2015 mortgage payments. 
I received a letter from Wells Fargo dated XXXX XXXX, 2015 that advised that they were cancelling the loan modification because I did n't get approval from the Bankruptcy XXXX. My bankruptcy attorney contacted Wells Fargo and explained that approval from a judge requires consent that a permanent loan modification will get approved. I called Wells Fargo to get an extension of the TPP or to get an extension of time to get a Motion for Approval of the Permanent Loan Modification. However, Wells Fargo advised me that I had to start the entire process all over again and that if my financial situation has n't changed, they were prohibited from accepting another application. The foreclosure process would start as Wells Fargo did n't apply the TPP toward the loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I both have direct deposit of our paychecks to our checking account. We are very strict on our spending and record keeping. So when we use our debit cards or write a check, we know how much is in our account from not only the check registry, but our online banking. Except in the last 6 months we have ended up with over {$2000.00} in overdraft fees. When I inquire about it at the bank, I am told the reason is that when we use our cards, it puts a hold on that amount of the money in our account. Then when it clears, if there is not enough to cover it, because of the pending amount they are holding, we ars charged an overdraft fee. How is this possible if the money has already been set aside for this item that was pending? Example : my husband 's paycheck was {$500.00}, and we spent {$350.00} out of that using our cards. We should still have {$150.00} left in the account. Except our bank says we are over drawn because they put a hold on that {$350.00}, so therefore when those pending items clear there is no longer {$350.00} in the account to cover those pending items. How is this possible if they have already put that money on hold? This happens frequently anymore and it has cost us quite a bit of extra money in late fees, because we end up having to hold off on bills because our paychecks are gone as soon as they hit the bank account, just pay off the overdraft fees. Please help us, as we are drowning now in financial debt because of this bank. And are unable to switch to another one, because they show up on any chex check that is done, in order to open another account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I terminated my lease at an apartment i lived at due to them not responding to sanitary reasons and they sent to collections with Hunter Warfield. I have sent XXXX letters of dispute to HWarfield with no response. They want me to pay the balance of the lease in full and i refuse to do so. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I Bank with Suntrust Bank. I get a daily email telling me me balance. On XXXX/XXXX/2015 I got an email saying my account was overdrawn. I had a balance of over {$1500.00} on the previous day. In looking at my charges I saw that a company called XXXX XXXX XXXX had charged XXXX {$500.00} charges to my debit card. I had my card with me so do n't know how they got my number. I have never heard of nor done business with this company. I called Suntrust immediately and reported this fraud. They said it would be investigated. Mean while my account is overdrawn and I have bills set on automatic draft. Several of these bills have come due and Suntrust is charging me overdraft charges of {$36.00} on each one. I am in a retirement home and the money in this account is all I have. Now I ca n't even buy food or gas. I explained to the Suntrust rep. that I am on fixed income and heeded my money returned to my account. I did nothing wrong but am the victim but yet I am being punished because of a theft to me. I feel that Suntrust should put my {$1500.00} back into my account and then investigate all they want. I did nothing wrong to deserve to suffer like this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I write Transunion in XXXX and tell them no dispute for XXXX accounts XXXX and XXXX. But my mortgage person tell me they still in dispute. I NO DISPUTE. Please change this! 

Company response: Company chooses not to provide a public response
Consumer complaint: I write and question some things on me credit report. They fix some. But now I try to get mortgage for house and they leave some things in dispute. Experian needs to fix this. I never say I dispute. I agree with what they tell me. So no dispute for:1. XXXX # XXXX. XXXX # XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: LoanCare is reporting I was 30 days late on my mortgage in XXXX XXXX and was sent to the bureaus on or about XXXX. I pay every month, and pay extra nearly every month as safe measure so that my credit is preserved. A senior representative named XXXX ( XXXX ) had told me over the phone on XXXX XXXX that no lates would be reported. On XXXX XXXX, I had received word that XXXX30 day lates were being reported on this account. On XXXX, I spoke with XXXX XXXX and she was unwilling to begin the process of removing all derogatories from being reported, and felt the reporting was accurate and valid. She claims that the note requires I pay each month in full. Since XXXX was short of the full payment, they held this money 'in suspense ' and reported I did n't pay. So they held onto my money and did n't apply any of it to my mortgage upon receipt. Here are the terms stated in paragraph XXXX of my note ( Payments ) : 1 ) " I will pay principal and interest by making a payment every month '' & lt ; I DID THIS & gt ;. 2 ) " I will make my monthly payments on the first day of each month beginning on XX/XX/XXXX '' & lt ; payment is always received between the XXXX and the XXXX, and never 30 days late & gt ;. 3 ) " I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal. If, on XXXX XXXX, XXXX, I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the " Maturity Date. '' '' & lt ; in compliance to-date & gt ;. 4 ) " Each of my initial monthly payments will be in the amount of U.S. {$960.00} '' & lt ; I always pay over that amount & gt ;. 

So, the note terms have been met, but they are unwilling to change how my monthly overages are applied, as well as apply money that 's been sitting in 'suspense '. This is a violation of my Fair Lending rights and the rights of others whom they have extended credit. 

There was one incident which may have provoked this. I changed banking institutions that month for my personal checking account. Through online bill pay, I requested XXXX of XXXX payments to go out in the amount of {$1000.00}. XXXX XXXX XXXX XXXX sent the check out from their warehouse to LoanCare. LoanCare made ONE ATTEMPT ( verified by the credit union ) to deposit this check and it was denied by the credit union. The credit union admitted they made a mistake, but did n't know why a XXXX or XXXX attempt was not made. Attached, is a letter from them stating their error. Even so, I 'm still in compliance to this note. If extra monies made each month were made in whole or part to escrow, I should also still have more than the minimum required in there, too. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a call from a company named STP Group for collection on a debt. I do owe the debt but was not originally with the group. I repeatedly asked the agent XXXX XXXX to send me proof of the debt and I would pay. I told her without written proof of the debt I will not pay. She said gotcha and will further process it. Obviously not following any collections rules as I repeatedly asked for proof of the debt via a letter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received an offer to sign up for a CitiGold checking account, make a deposit of $ XXXX, and get a {$400.00} sign-up bonus. My experience with Citi has been horrible : - I met all the sign-up requirements, but did n't get the bonus as promised. I needed to email them multiple time and call them before I finally got the {$400.00} credit. 
- I withdrew my initial deposit after the required holding period, but was then charged a monthly service fee ( {$30.00} ). This fee was n't clearly displayed during marketing or the account opening process. They also continued to charge me this fee the following two months even after I had put in a balance large enough that was supposed to waive the fee. They eventually reversed the fees, but it required me calling in every month for 3 months. 
- When I had a {$0.00} balance and then got hit with a monthly service fee, this put me in overdraft status. They then charged me an overdraft fee. I do n't think it 's right to charge an overdraft fee when their fee caused you to go into overdraft state. Again, they refunded it, but it took another call. 
- While they have high limits allowing transfer of funds into Citi, their limits on sending money outside the bank are frustratingly low. They require a balance of $ XXXX to avoid fees, but only allow for external transfers of $ XXXX / day and $ XXXX / month. 
- While it 's nice they allow for online account opening, it 's annoying that you ca n't designate your backup withholding status electronically. Instead, they wanted me to fill out a thick set of forms and mail it back to them. 
Overall, dealing with Citi has been a horrible frustrating experience and I am going to close my account once I am able to remove all the money. 

Company response: Company chooses not to provide a public response
Consumer complaint: My fianc and I opened a joint checking account at Suntrust bank and deposited a check in the amount of {$15000.00}. The account was opened on a Thursday and we were told the funds from the check would be available on Monday. On Tuesday morning the funds were not available and the account information vanished from online access. We went to the bank and were told that Suntrust closed the account citing fraud as my fianc owed them money from 2005. After a lengthily process at the bank where we spent time on the phone making payment arrangements for an {$800.00} debt we were unaware existed we still are no better off and were just told our funds could be held for 30 days. This has put my family in a very difficult situation. I do n't understand how the bank can legally refuse to return our funds? Please help me understand. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a 0 % promotion on my Bank of America credit card. New charges are charged at 16.9 %. I make sometimes XXXX or more payments and pay in excess one hundred dollars additional or more on my account monthly in order to pay off the new purchases. Bank of America was posting the additional payments to the 0 % promotion and not to the new purchases with higher interest rates. Therefore ' leaving me to pay interest incorrectly. I spoke to several representatives and was told that Bank of America was aware of the error and was working at appropriately applying the payments and would have the additional incorrect interest credited back by XXXX. I called Bank of America again on XXXX XXXX and the representative seemed to have no clue of the issue. I asked for a supervisor who initially seemed clueless and finally told me the changes would reflect in XX/XX/XXXX instead of XX/XX/XXXX now. 

I have made numerous calls to Bank of America in regards to this issue and have been continually put off. 

Company response: Company chooses not to provide a public response
Consumer complaint: 1. Or about XX/XX/XXXX a re-submission of loan modification was finalized but denial of loan modification followed in less than 30 days from resubmission in absence of calculative methods used to derive a reasonable mathematical explanation for denial of loan modification. 
2. On or about XX/XX/XXXX a formal dispute was submitted. Within 30 minutes from submission of formal dispute borrower received a call from assigned representative XXXX XXXX. XXXX EXT XXXX to inform that the underwriter could not approve modification as BSI could not derive an affordable payment from income provided and that investor would not go below 6 % to calculate new modified payment doubling the mortgage payment to about {$12000.00} a month. 
3. On or about XX/XX/XXXX borrower requested denial letter and sent qualified written request. 
XXXX. On or about XX/XX/XXXX contacted BSI and spoke with assigned loss mitigation specialist whom provided the following information : According to XXXX XXXX : There is no material change so therefore there is a denial. 
Upon verbal request of income information the total income used for review was XXXX. Income was derived no material change from previous review. XXXX earnings are XXXX semimonthly, real estate average XXXX XXXX XXXX per the XX/XX/XXXX XXXX provided. 
XX/XX/XXXX tax returns provided and reported a loss. But could not explain where on tax returns loss was reported. There is a depreciation expense but that was not explained. 
Husband 's contribution of XXXX and XXXX was used. 
Further clarification on figures was requested because the numbers did not add up including the source of the {$4800.00} figure. XXXX XXXX could not clarify but and stated she would speak to underwriter and upper management and I would get a call sometime tomorrow. 
Although no clarification of income was provided to explain the {$4800.00} figure it was explained that monthly income on RMA was compared to worksheet-net income to show property is not affordable and Income presented much lower than the income provided on RMA. However, this is a stretch since no income figures could be explained despite previous QWR. 
In the end the conversation ended with a promise to follow up and a call back but no material clarification was given to explain denial, which was the same promise made verbally in the last conversation not withstanding previous QWR and formal dispute requesting the same information. 
This modification has been in process for years. First with XXXX who transferred to XXXX XXXX XXXX who hired XXXX to collect {$31000.00} which I paid which was never applied to principal balance. Then loan was transferred to XXXX XXXX XXXX XXXX and now to BSI. 
I am requesting assistance with my mortgage loan modification and reasonable efforts on behalf of mortgage servicer to underwrite the mortgage for loan workout in a commercially reasonable manner. Circumventing requests for calculative methods to support denial is not commercially reasonable. Please see attached formal dispute and QWR 's. ( 2 on file ) 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My bank is refusing to refund the transactions listed below. These are fraud! They were not authorized by me and no point. When these transactions came to my account my bank even put a block on my card and called me about them. I told them I did not do no such transaction. I was then told my card would be canceled and I would need to dispute these transactions as fraud once the hit my account. I did just what I was told and now my bank is telling me that they are not fraud. How can that be? I have never had any dealings with this company nor have I ever received any products from this company. 
XXXX XXXX XXXX XXXX NY XXXX BB & T XXXX PURCHASE $ XXXX XXXX XXXX XXXX NY XXXX BB & T XXXX XXXX PURCHASE $ XXXX XXXX XXXX XXXX NY XXXX BB & T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX BB & T XXXX XXXX PURCHASE {$4.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: They keep calling me, however when I answer no one speaks and after about 10 seconds it will disconnect the call. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had my credit pulled for house loan application. However the credit score was quite lower than expected especially since I use credit karma to somewhat monitor my credit. I am aware that there are going to be differences, but with XXXX and transunion ( the ones XXXX uses, the gap was over XXXX points. ) XXXX had my score at XXXX about XXXX, transunion around XXXX, the credit scores that were received my home finance were XXXX and XXXX respectively. I reviewed the reason for the " low '' score and found the reasons. 
1.derogatory public record or collection. 
I was in the hospital ( XXXX XXXX XXXX in XXXX ). After not receiving a bill I called and asked. I was informed that bill was payed and no payment due. I was surprised and queried if info was correct. I was assured that no payments are due. About 2 months later I received from a collection agency a notice that I owe about XXXX $ to XXXX. I immediately called XXXX and was told, that there were XXXX accounts for me and that they had made an error. I told them that I have now a collection agency chasing me down for their error. I called the collection service and paid the outstanding amount. That was over 5 years ago and clerical errors have kept my score low!!! 
2.length of time credit has been etablished. 
I have been living for over 20 years in the US. I have had house payments since XX/XX/XXXX, car payments since XX/XX/XXXX, electric, gas, tv, cell phone bills for over 15 years. Credit cards and what have you. How long doe they want me to have credit.?? 99 % of the time I pay my bills on time, that 1 % I missed the due date which happens to the best of us. 
3.proportion of high credit on bank revolving. 
I have about XXXX $ in outstanding credit card bills, the total max/ credit limit on my cards is way over XXXX {$.00} that means I owe 20 % of maximum credit limit, how can this be a high revolving proportion of balance. 
4. Recent inquiries. 
In our days nobody has the cash to buy house or car outright. I refinanced my home, to have lower payment and pay credit cards off, and purchased a car, 11 months ago .... I ca n't see how that is a high amount of inquiries. The reporting agencies love for us to open credit cards to see that you pay them and pay on time to show you are responsibly managing your money. But then you get punished for having an inquiry on your record/ score. 
I hope you can help me out and have the situation rectified. These agencies have so much control over ones life, it 's almost criminal. I can see where people have several collections, maxed out credit cards, unpaid bills, inquiring about credit every two weeks that the score is low, but in my case it 's absolutely not the case. 
I appreciate your help! 

Company response: Company chooses not to provide a public response
Consumer complaint: Received Sears Credit Card checks with offer of no interest for 2 years for purchases or balance transfers. There was a mention of a fee for using this service but did not indicate amount. Upon receipt of bill there was a service fee of XXXX % on the balance and then they charged interest on the service fee. No where in the information did it say you would pay interest on the service fee so their offer of no interest on the balance is incorrect. Believe this to be false advertising and excessive charges not disclosed 

Company response: Company chooses not to provide a public response
Consumer complaint: We received a modification in XX/XX/XXXX 2014. I was laid off of my Job XX/XX/XXXX of the same year. We applied for another modification Through our servicer USAA. We were denied and then appealed it because of missing information ( copy inclosed ). We were told that per VA guidelines we are only allowed XXXX modification every 3 years and only XXXX during the life of the loan. Please assist us with this. Thank you 

Company response: Company believes it acted appropriately as authorized by contract or law