AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Frederick J. Hanna XXXX have supposedly filed a lawsuit without notiyfing me or having court summons sent to me. I am getting letters from other legal representatives stating I am being sued or wages might might be garnished by Frederick J. Hanna XXXX XXXX XXXX XXXX. In an attempt to pay my account with XXXX XXXX XXXX, I have been working with a company XXXX. They are supposed to settle your debts through negotiations with your creditors. Although a third party, XXXX XXXX. XXXX, were willing to work with us. 

Somehow now Frederick J. Hanna, another third party has got involved and now is allegedly is in the process or has filed a lawsuit against me in court. I am getting letters from various Lawyers stating this fact. This agency is known for not informing consumers of their lawsuits, and does not have a good reputation. 

Since I have not been served any summons yet, I would like to go ahead and offer to pay this account in full by installation payments of {$300.00} - {$350.00} per month. If you XXXX Frederick J. Hanna, this agency has been sued by the Federal Government, ( Consumer Financial Protection Bureau ) and have numerous consumer complaints according to the XXXX etc. I can be reached at XXXX. Thanks so much. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX [ [ Reference to my property located at XXXX XXXX XXXX. XXXX, NC XXXXLoan # XXXX Serviced by Select Portfolio Servicing. Relationship. 
Person of Contact is XXXX XXXX, Relationship Manager, XXXX Extension XXXX. 
His email is XXXXXXXXTry and try again to contact him. Good Luck!. I have NOT been able to contact him. 
***************************************************************************************************This is concerning the papers I sign for the Deed-In-Lieu. I sign XXXX different pages and was given copies of all pages NOT sign by me. I met a Notary Public in XXXX, NC. 
Met at XXXX off XXXX XXXX on Saturday XXXX XXXX, 2015. Ever since that day, I have requested a copy of the pages I sign and I have received NO response from anyone. Emails to XXXX XXXX were sent in multiple days. Last email sent was just before XXXX. I have copies of other attempts to contact dated XXXX XXXX, XXXX XXXX, and others. I have made more than XXXX calls to SPS and it is a joke. I made sure that the conversations were recorded. 
It seems that SPS and the staff have no real desire to finish what they started.!!!!!!!!!!!!!!! 



I signed the Deed-In-Lieu paper 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America did not send me an XXXX statement. As a result they could charge me a late fee for not paying on time and increasing my APR ( on my XXXX statement ). I have disputed this fraud practice multiple times but BAC refuses to address my concerns. 

Company response: Company chooses not to provide a public response
Consumer complaint: My bank, TCF, was robbed by a digital fraudster, and now the bank has taken it upon themselves to deprive me of my deposits until they see fit. I want my deposits back on demand, as per the function of a bank, and I would also like {$34.00} for each cent they have stolen from me, for each day that I have been deprived of my funds, as this is the fee structure in my agreement with the bank. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have not reached a resolution with US Bank. I have not been informed as to why US Bank allowed a merchant to debit my account for a return check fee. The merchant has laws it must abide by to collect its return check fees. Thus, the method used was not lawful and caused my account to become overdrawn. US Bank is not legally allowed to charge overdraft fees for electronic debits which US Bank charged me. The merchant never contacted me by letter to initiate payment of the fees, nor did US Bank follow its banking laws. In addition, US Bank charged me overdraft fees for items paid on XXXX/XXXX/2014. The items in which US Bank referred to in its letter dated XXXX/XXXX/2014 as unpaid were paid, yet US Bank charged me insufficient fund fees for each item paid. To my recollection the items debited my account on XXXX/XXXX/2015 and was paid on XXXX/XXXX/2014 leaving a balance of {$29.00}. Shortly thereafter, US Bank applied NSF fees to my account. I had paid the items and was still charged NSF fees which is not US Bank informed me of in a conversation regarding returned items. US Bank banking guidelines are not specific because it should state a specific time a customer has to pay NSF fees ( such as : XXXX hours, on the date of transaction, etc. ). Nonetheless, US Bank has been allowed to provide its customers with information not written under the banking laws guidelines. I am being XXXX thing or another and left to see what happens if I follow the information of its customer service online and phone representatives. This has cost me and I would like to have my money returned to me XXXX. I do not have any of my bank statements in question ; therefore, since US Bank has not a been able to come to a resolution that I agree with, I would like a copy of all bank statements from moths that my account had become overdrawn. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was a victim of identity theft several years ago. I have police reports, etc. I filed to put fraud alerts on my credit report and I disputed the information with the agencies. They have failed to supply me with any supporting documentation of the validity of the accounts and they have failed to remove them. There are in fact accounts that I had from 15 years ago that they are still reporting even though they are violating the FCRA, and the florida statue of limitations. I have not been able to obtain credit until a year ago and it was a very minute amount of credit. The credit reporting companies have ruined my life and my ability to even buy a home, and because of their violations I have been forced to file for bankruptcy which will now stay on my credit report for 10 years. They are not even accurately reporting the bankruptcy information properly. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been paying down my Bank of America credit card for over one year and have not used it. The interest charge amount keeps going up instead of down even though my balance total amount goes down.The interest rate has been 19.99 % for quite a long time and has not changed. I am trying to pay it off and it seems that there is an error in their calculations. I have spoken with numerous representatives and they keep giving me the run around. 
Please help me resolve this matter, as it seems impossible to deal with this company. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called my local wells fargo to get a refinance on my loan that is XXXX and bring it down to XXXX they told me I would n't have to pay closing costs because of the FHA XXXX program that has been around for years. well 3 years ago and 1 year ago I called wells fargo to tell them I wanted to refi and they told me I had to pay closing costs. so ithought I could never do it because I did n't have the money, not knowing they misled me to believe that there was a program they never told me about. 

Company response: Company chooses not to provide a public response
Consumer complaint: Filed a dispute for charge of XXXX to my account. Company did not send product. 
Was told by USAA customer rep the company had sixty days to dispute my claim. If they received no dispute from the company the charge would be permanently removed. 
After filing the complaint the company sent me the product. 
I contacted USAA and told them it would be fine to keep the charge of XXXX on my accountWas told by USAA customer rep that the company had to dispute the claim. 
So I called the company and told them they had to call USAA and dispute the claim. 
Was told by their customer rep they did not know how to handle it and never received anything from USAA disputing the charge. 
I then called USAA AGAIN and talked to a customer rep who told me he could just removed the transaction and I could then send the company a check for XXXX. 
I agreed. 
I received a letter from USAA stating the transaction was removed. 
I sent the company a check for XXXX by priority mail and tracking number. The company received the check. 
I then received a second letter from USAA stating the charge was removed from my account and no further action was required on my part. 
A few days later I checked my account with USAA on line and discovered the charge of XXXX was again placed on my account. 
I called USAA AGAIN and spoke with another customer rep. He did not have any answer as to why the charge was again put on my account. He gave me a song and dance routine that stunk. I received XXXX letters from USAA stating the XXXX was removed. And sent the company a check for XXXX. Now the company will receive XXXX twice. Once from my check and the other from USAA. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I continuously requesting proof an agreement was entered with the collector. I requested a thoroughly investigation from all the XXXX credits bureau to provide me proof on how the debt was incurred and sign promissory contract was enter I have not received any of that instead an investigation was done and it stated " This item belongs to you '' This is not an acceptable investigation. 

XXXX XXXX balance Owed {$430.00} 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have an Health Savings Account which I learned was managed by UMB Bank. 

In XXXX, I wanted to use the remaining balance in my HSA fund. 
I pulled up my HSA account website to verify the amount, which was {$18.00}. 
I used that exact amount for a medical bill. 
Afterwards, I received an overdraft bill from UMB Bank stating that my balance was below {$18.00} and applied a {$25.00} NSF fee. 
I called to inquire why my balance was below {$18.00} and why it was different from what the HSA account website displayed. 
UMB Bank told me that there was a monthly service fee that they incurred, which I was unaware of. I do not recall receiving any document regarding this " monthly service fee. " This monthly service fee is what reduced my balance below {$18.00}, thus generating the overdraft scenario. 
At that time, my balance from UMB was negative {$33.00} and still incurring monthly service fees until I close the account. 
This started around mid XXXX and now my balance is - {$36.00} due to add'l monthly service fees until I close the account. 

As a consumer, I feel like this is terribly unreasonable as the information I had always used to verify my balance was inaccurate and I was not aware of the monthly service charge which caused the overdraft scenario. 
UMB Bank has been unhelpful and dismissive when I try to contact them to fairly resolve this issue. They 've just demanded payment or else they will keep incurring the monthly service charge. 

XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My XXXX XXXX. was sold to a company called SLS, LLC. Since the onset in XXXX 2015, it has been a nightmare. 1. I could not get my mtge. paid to XXXX as I got the notice after the XXXX of XXXX 2015. I went to XXXX to make my regular mtge. payment and they could not accept it but also, could not tell me my new account information. 
I got the SLS info when I returned to the stack of mail. I called them and they did not have an account # assigned yet. I sent the payment in ( late ) and that has lead to a whole set of problems. 
The current situation is they have stopped sending me a monthly remittance/advice to use to send in a payment. I have been just sending in the check and using the account information given. I have just received a XXXX statement dated XXXX on the day of XXXX in todays mail! It is asking for XXXX on a mtge. amount that is XXXX, they have had it XXXX since day XXXX. 
What I need to happen:1. Who holds my mtge. 
2. I went through the HAMP and for the next 5 years I have a mtge. that can not be changed and/or sold. How did this happen? 
3. I want XXXX to take back the mtge. from SLS, LLC4. SLS has a unscrupulous reputation - how are they allowed to operate? 
5. Is there a class action lawsuit pending against SLS? 
6. If not why and when can I start one? 
SLS loan # XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, CT XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Redeemed cd at BB & T bank, XXXX XXXX, PA. They were unable to give me either a check or cash. Had to open a checking acct to have access to my funds. Did not want a checking acct. fortunately was able to close out that acct the next day at another branch. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was sent an alert from the credit reporting service that I possess stating that a change had been made on my report. I contacted both my attorney staff and the Consumer Financial Protection Agency and wanted to get the correct amount of money that I owed agreed upon to pay and this collection agency sent an incorrect amount to settle of {$270.00} approximately and I did respond until I receive a comply today with my attorney. The credit reporting from XXXX stated that {$400.00} was due yet not document proving the breakdown of this amount was ever provided upon my request and the attorney 's request. This collections agency Amsher has falsified my correct balance due. Today I actually the Amsher Collections Agency and they hung up on me XXXX times. I was trying to get an account number from them and I mentioned that the previous disrespectful agent hung up on me and then a male hung up on me because he did not give me his name. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The company Netspend promised if I used there services I would have my XXXX check deposited 2 days early. They have continually failed. My rent is due today. They will not reply to my inquiries of why they are not depositing my XXXX check I was directed here by the Texas attorney general could you please investigate why they failed to do as they said.Thank You, XXXX XXXX my phone number is XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: when making a purchase at XXXX in XXXX nj, I wrote a check. XXXX contact global payments check services inc for authorization, they declined authorization without reason. I contacted Global who refused to give a reason and informed me they also ran credit checks for check authorizations. Global never asked for authorization or permission to run my credit. Global also acts as a Credit Reporting Agency and collects their own info on people which they base their authorizations on. They refuse to give reasons for declining a check and says they do not correct any info because they do not speak to individuals when they decline to authorize a check. Global Payments Check Services Inc. needs to be investigated for their collection of info and compiling of credit reports that they base their decisions on. Global Payments Check services Inc should be fined for the unauthorized credit checks they run when contacted for a check authorization. Global Payments Check Services Inc appears to be trying to circumvent laws and regulations when it comes to consumer laws. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A charge was posted on my credit report which I constantly request proof of how this debt was incurred. I have not received any proof the debt belongs to meXXXX XXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: XXXX reported false information on my credit this is not my debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX I authorized {$100.00} debit from XXXX XXXX XXXX. On XXXX XXXX I lost my debit card which I reported lost and CitiBank declined the debit I had authorized. That same day I called Citibank to explain that I had authorized the debit from XXXX XXXX XXXX. Citi bank proceeded to debit my account but the funds where never transfer to XXXX XXXX XXXX. I have place several calls where Citibank states that the claim is under investigations after 2 months and many calls I when to the financial institution located at XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. I found out that there was not an investigation opened and there was never one opened to begin with. All this time the information they had provided me over the phone was misleading and false. 

Company response: Company chooses not to provide a public response
Consumer complaint: Refused to inform me of where I could retrieve my personal property from my car they illegally repossessed for a past due unsecured personal loan XXXX. 
Continued to call me, refused to say who they were, after I repeatedly told them not to call this number I did not give them, three times in 30 minutes stating simply " I know you told me not to call this number '' instead of answering my question of " who is this? '' 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I contacted SunTrust to upgrade my current account type from it 's " Everyday '' Checking to the " Select '' Checking which they now offer. I qualify based on my monthly direct deposit threshold ; however, as the person I was working with began to make the changes, she informed me that my current SunTrust XXXX Debit Card would be cancled and that it was eligible for this account type. Per my review of SunTrust Disclaimers online, their Fact Sheet and Brochure, no where does it state that the XXXX Debit Card is ineligible in this account type. Having the Select Checking account type would provide me some benefits such as Non- SunTrust ATM Withdrawls at no charge. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is reporting inaccurate information on my Credit report and said information does not belong to me. Experian has re-aged the inaccurate information on my credit since 1998 and is in violation of several federal laws. The information does not belong to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am legally XXXX. They knew my condition when I went there, they told me I can find a job, make enough money $ XXXX or more per hour. and they help to find a job.they promise to me I 'll be a XXXX after graduate but the reality is to be a XXXX people need many years and the salary in normal XXXX is {$9.00} per hour. 
They only want me to take a student loans and they help to file forms. They accepted me also without a high school diploma I do n't have. I never graduated. 
I an receiving SSi from the goverment and food stamps, I don ' t have money to pay. 
For the Federal loan I amapllyg for a forgivness. 
All the tests I presented during the classes were excellent even I knew all the answers were wrongI have been victim of a fraud XXXX. 
They lied, any XXXX in Usa can hire me because I am blogging nd for safety policies, and insurances companies do n't allows put people on risk. 
The XXXX did n't give any of the contracts with them neither loan papers, neither svholl books or any material if the classes in audio or big print fir ne to read. They accept me only to get a comission for a student enroled. 
I have my XXXX certificates U am legally XXXX, and I went to thevinterview XXXX with a friend. 
I am receiving Ssi help from the goverment and food stamos, i can ' t get a job and tcosigner ca n't affiraffirdto pay the loan. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been countinously working with BSI with an authorized XXXX party. The XXXX party is representing me in this case, and she has had numerous contacts and supplied multiple requested documents but the lender is failing to communicate or provide support in this loan modification phase. We are told to provide same documents over and over again, SPOCs assigned by the lender keep changing and honestly I feel that my file has no communication log or tasks completed. I ask questions and no answers are given from the lender, and at this point we are very frusterated and would like a work history report on our file and this matter escalated who can diligently review our case for loan modification. 

I have been in financial distress and have had major medical illness in my family, and all documents have been provided to lender, we still can not communicate efficiently on the outcome of our loan modification. 

Thank youXXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Have called the negotiator and manager assigned to the loan XXXX times total, XXXX voicemails left for the negotiator and XXXX voicemails left for the manager and have not received a call back. 

This started XXXX XXXX 2015 and I still have only spoken to the manager XXXX XXXX once since then on XXXX/XXXX/15. I have left XXXX voicemails for the manager XXXX XXXX since then and still have not received a call back, it 's complete negligence. 

The other problem and the reason why I 'm trying to reach the manager in the first place is Shell Point did an appraisal on the property at {$280000.00}. Our short sale offer is at {$280000.00}. It is a HAFA short sale which requires {$12000.00} to go to the second and {$10000.00} relocation assistance to go to the seller. They told us that the offer would have to be at {$290000.00} or we 'd have to negotiate the second down to {$2000.00}. This is against HAFA guidelines and the lender is " bending the rules '' to gain a higher net to their balance. 

We need this looked into and resolved, unfortunately all the CFPB has done for us in the past is reach out to management at the lender and take their word as bond and kick it back to us but I figured it 's worth a try to see if the CFPB will do something for once. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have received over the past 3 years several pre-approval notices from Barclaycard stating that I was already approved to go ahead and apply, when I do then I get a denial notice. This puts a HARD hit on a persons credit with all XXXX of the major credit reporting agencies. I again not even 3 weeks of being denied again from Barclaycard received another pre-approval notice asking me to apply. I called the number and the rep insisted that my denial must have been a mistake and to reapply. Sorry but I 'm not as dumb as most of the Americans that these banks believe we truly are. I want them to be fined!! These are deceitful practices which should be stopped immediately! 

Company response: Company chooses not to provide a public response
Consumer complaint: Threatening to visit my home or job 

Company response: Company can't verify or dispute the facts in the complaint