AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I need your help with a third party debt collector Javitch Block LLC. They are suing me and I suspect without any meaningful attorney involvement. They sent a extension to my motion to dismiss to the courts to obtain documents. They wrote in the first paragraph it was for XXXX XXXX XXXX XXXX XXXX XXXX and then the last paragraph they put XXXX XXXX XXXX XXXX XXXX XXXX. I do not owe this company money and they have not verified any documentation nor did I give them permission to obtain and use my personal information. I have had several XXXX and this added XXXX is not helping my condition. I have heard Javitch Block LLC in XXXX Ohio is a debt collection agency who uses unfair practices and threatens to destroy people and have an attorney XXXX XXXX. I do n't have a lawyer because I can not afford one and have a child to take care of. This purported debt has gone to XXXX other third party debt collectors and none of them could verify it and they all have different account numbers for this purported debt and I have never had a contract with this company or heard of them. Can you please help. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: To Whom it may concern : Consumer Collection Management lists on my credit report me owing to XXXX XXXX. I own XXXX XXXX nothing. When I asked for proof of debt this winter they sent me nothing showing that I owed XXXX XXXX anything. Since the information they are reporting is false I would like it removed from my credit report asap. I have included my request for debt validation, what they submitted and my response pointing out that they did not submit anything showing that I owed XXXX XXXX XXXX, 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This complaint is in reference to case numbers XXXX and XXXX. You do not have a functionality for the consumer to upload documents after a compliant has been submitted. So, I am submitting a third complaint to be able to supply all my documentation. Please review the attached documents as well as the cases referenced above. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Ditech financial recently purchased my home loan. Since then, they regularly misapply my principal prepayments to future interest or future payments. This practice is in direct contravention of my loan terms which expressly state that " the NoteHolder will use my Prepayments to reduce the amount of Principal that I owe under this note. '' Ditech has not followed these loan terms, and instead continues to apply my prepayments to future interest and future payments, resulting in my loan balance not decreasing as fast it otherwise would, and more accrued interest than otherwise would occur. I have complained to Ditech three times about their misapplication of my payments. The first time I complained they fixed the problem without admitting any fault. They have completely ignored my second and third complaints. Thus, I am writing to you in the hopes that you will be able to get their attention. I am also considering legal action. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Back in XXXX XXXX, I took a loan from a company called " Cashcall '', after a couple of months, they stopped taking payments and said nothing to me. I became concerned that a large payment may be coming so I called them and was told there was a problem with the way they took money, she also said my credit would n't be harmed and I would be contacted. I was n't contacted until now, letter dated XXXX/XXXX/XXXX, post marked XXXX/XXXX/XXXX. If it was n't legal then, why should I think it 's legal now. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I HEREBY DECLARE MY INTENT TO SUE. 

Despite my previous mail correspondence, your institution has failed to investigate and rectify errors contained on my credit report. Thereby you have violated the Federal Credit Reporting Act, due to which I have lodged complaints with the Federal Trade Commission and the California XXXX. I am allowing you 30 days to rectify the erroneous information ; your failure to do so will result in my filing suit against your institution. 

INCORRECT TRADELINES : 1. Enhanced Recovery Company ( ERC ) -- -Ac # XXXX # XXXX ... This item is inaccurate because the creditor nor ERC furnished proof that this debt is mine. I am requesting that the item be deleted to correct the information and an updated credit report be sent to me. I am enclosing a recent credit report, which indicates that this account continues to reflect on my credit report. 

I intend to file a suit against Enhanced Recovery Company and XXXX XXXX XXXX in small claims for removal of erroneous information on my credit report. In your investigation, I respectfully request that you forward to me a description of the procedure used to determine the completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act. 

I thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX. 


Sincerely, XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am reaching out to you because I believe I have been a victim of Wells Fargo mortgage forced insurance fraud with XXXX. As I was paying my insurance through my monthly mortgage payment serviced by Wells Fargo, they were supposed to be paying my insurance company. When I had damage to my house in XXXX 2015, I found out that the bank was not paying my insurance company. They have instituted a more expensive insurance policy that I did not approve of nor was I notified. I have been trying to get reimbursement and have not been totally successful. This has been a systematic and widespread practice throughout the financial industry resulting in multiple class action suits from homeowners numbering in the multiple XXXX dollars. 

As all of my correspondences are in emails and written letters, I am unable to upload most of my documents. Please reach out to me to obtain these. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Application for pre-approval started on XX/XX/2016..I was approved and loan application was started with AmeriSave. A few weeks later I received disclosure and I noticed a figure of {$2500.00} " other income '' was shown.I explained at the time I want due to inherit stock but I did not have it in my possession yet.Underwriter has delayed processing and asked about this other income.Loan officer went back and " faked '' my income from Social Security to satisfy underwriter.Meanwhile I have submitted bank statements, tax returns, documents 2 and 3 times.These are shuffled back and forth between 2 officers and the underwriter..Closing was set for XXXX XXXX and has not happened.Has been delayed because they did not request HOA documents from condo assoc.I had to call and request that they be sent. They informed me they never received a request from AmeriSave.Loan application has been bogged down and delayed because they do not provide detailed info of what they need.As of XXXX XXXX they should have all the documents they need to move on to closing.It is not happening.Loan officer left on vacation and the other one no longer answers e-mails.Title co. and real estate agent try every day to get an update and get this loan to closing without anymore delays.All request are ignored. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was originally contacted on XXXX/XXXX/16 at my place of employment by a XXXX XXXX claiming to be with the PreLegal Dept.with Warner Asset Services and referenced a case number of XXXX. I explained that these calls are unacceptable and not allowed by my employer and that I would call him back on my cell phone. I returned his call at XXXX ext. XXXX however ; when you call this number it does not state the name of the company, location or hours of operation and automatically prompts you to dial a extension number, which I found very odd. I was told I owed an outstanding debt to a company called XXXX over the amount of {$1800.00}. I advised XXXX XXXX that I did not owe this debt and that if this was a legit debt I would have been notified by US Mail, which I have not. He also called my daughter on XXXX/XXXX/16, claiming that I used her name as reference on this so called loan. I requested verbally that he Cease and Desist on calling me at work, on my cell phone and any family members on this debt that is not owed. They are also calling me from XXXX to make it appear that is a local call in the hopes I will pick up. I let it go to my voice mail and it is either a XXXX XXXX or XXXX XXXX using various company names of Warner Location Services, Warner Asset Location Services, Asset Location Services or Warner Assets Recovery. I have found online a Warner Asset Location Services, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX at XXXX and also found online XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX at XXXX. Today XXXX/XXXX/16 they have called my daughter, XXXX my sons, and non-family members from a number of XXXX stating that it is very important that I get in contact with XXXX XXXX over an important matter along with referencing the above case number. I was also contacted at my place of employment after stating that I was not allowed to receive these kind of calls at work. XXXX XXXX was very rude and verbally abusive and stated that I needed to pay up on this debt and threatened to submit a Verification of Employment with my employer, along with taking legal action against me. I have gone to the website of XXXX and have read all the complaints from others who are experiencing the same harassment I am. Apparently they are using illegal debt collecting practices to scare and scam people out of money that is not owed. They have previously operated under the names of XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. They are currently not accredited with the XXXX in either XXXX or XXXX. It is very disturbing and alarming that they have tracked down my family members and now harassing them as well and trying to extort money out of me. There is never a Mini Miranda used when leaving a voice mail message or when I have spoken with them on the phone. I have past experience as a Debt Collector and recognize that these approaches and practices are not within the guidelines of the Federal Trade Commission and Fair Debt Collection Practices Act. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Long story made short ... ... ..Aunt had fraudulent activity on her accounts at Suntrust. XXXX was notified and investigated the case and the case was closed. Aunt made me her Power of Attorney when she entered XXXX home so that I could help her with her bills. SunTrust refuses to let me stating her accounts are ALL frozen because of investigaton. XXXX says they never told SunTrust to do this. My Aunt ca n't touch her money even though its her social security money that is in accounts. If she needs something she cant even touch her own money. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I did a car title loan with Whilshire Credit, which I think is Westlake financial, each month they when I got the loan they paid off another loan telling me thjere loan was better well he lied it was much worse. Each moth they call me from XXXX companies but after 5 days I never receive a written notice. Even Though the money is coming out of my bank account. So every month I late, they call multiple members of my family harassing them and call me. They do n't bring my account current like they promised when I set up the authorization. Its bad enough that I have to pay {$9300.00} over 3 years but with them never bring my account current it will be much much more, They do not seem to be a very honest " company '' and it would be very hard to recommend them to any community!! As you see i have paid current but every month they cahrge me an extra {$70.00} and {$36.00}. They say every month they will fix it but never do so my balance never changes. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I got behind on my payments and have n't had a chance to get caught up but they continue to call over and over. I ca n't answer and reason with them because they do n't want to hear what I have to say and if they are offered a XXXX dollar payment it is n't good enough. I was going to pay twards my account but my wife had to use all the money we had to go twards hers so I could n't pay anything on my account so they call me every day now even on the weekends. When you do talk to them they try to bully you into renewing your loan even when you say you do n't want to. I 'm tired of dealing with them and it 's about to the point where I tell them to send it to collections and I will just pay it off that way I ca n't stand to deal with them anymore 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: US Bank did not deposit my payroll into my account. I have not made any changes to account or payroll. I was told by Bank that because they reclassified my account to a checking account from a savings account that they closed that they did not accept payroll for the first time in 10 months 2 times a month and that they would not be able to deposit my funds for XXXX days. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Sears at XXXX XXXX, XXXX NC : POLICY for all cashiers as per management ORDER to maintain employment, is to offer customers a discount and withhold all information that this discount comes contingent with the approved application of their credit cards. They are also told to hold back the written material relevant to the credit card and application process and tear off the signature and scan page only for customer to see. This is rationalized as ok on the basis that the customer.. usually XXXX or English not first language or young and inexperienced individuals, and EVEN those that have STATED they do NOT WANT A CREDIT CARD, have given their social security card so it 's their problem. This is devious and I presume illegal. This has been going on to my knowledge as an employee since 2008 with ALL NEW HIRES. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I am filing a complaint against Bank of America. I signed up for a small business checking account on XXXX XXXX, 2015. I did this in branch at their XXXX XXXX, XXXX branch. The personal small business banker I dealt with was as follows : XXXX XXXX. His email address is as follows : XXXXXXXXXXXX. 
I also personally dealt with the banking manager, whose first name is XXXX. Neither seemed interested in helping me. They did not respond to emails, and just basically blew me off. 

I met all the requirements of the promotion, including a set amount of spend on a newly opened credit card, a certain amount of bill pays, etc. 

Here it is seven months later, and I feel that Bank of America is doing anything they can to avoid paying the bonus. I have contacted them by phone, email, online chat, and have even written letters. I have personally communicated with the XXXX employees listed above, who had set up the account. I do n't know if they are intentionally not following through on the requirements of the bonus, or did not fail to set it up properly on XXXX XXXX. But waiting 7 + months for a bonus to post that was supposed to post in 2 or 3 seems shady. I was told by a consumer advocate that the CFPB is the one to go to on this issue. I am hopeful that you will be able to get Bank of America to finally post my bonus of {$1000.00}. Thanks so much, XXXX XXXX. I will attach documents for you. Please contact me at ( XXXX ) XXXX or XXXXXXXXXXXX if you need any more information. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I sent a previous dispute, but the response does not make sense. See XXXX. 
I am a vicitim of ID Theft. Federal Regulations and state laws allow me to have a Security Freeze placed on my credit file, if I provide the proper documents to the credit bureaus to place the freeze. I am sending the complaint because I sent proof of being a victim and all my documents to Experian to freeze my credit and they have failed to place a freeze. With failing to honor my request, they have left my credit open to new liabilities and fraudulent acccounts. The response I received last was that the information I provided was not complete enough in my complaint. However, I was very specific about dates I mailed documents and what was mailed. I should not have to contact Experian for a third time. My experience was that I called them and they tried to sell me a freeze or other monitoring services. I understand that this is very common practice after consulting with my insurance company and their famililarity with credit bureau practices. 

Company response: Company chooses not to provide a public response
Consumer complaint: When I went to XXXX they told me I would not be charge anything else for my procedures they charge my insurance more than XXXX dollars and then I got this bill for the XXXX the I kept calling the office of the XXXX please for more than 2to 3 years every time I would get a bill and the women I charge of the billing would always tell me do n't worry Isabel it 's all handle we will take care of it i have gone back to that office this year and they told me that the women does not work there any more so I called the person in charge for the XXXX and she was the meanest and rudest women ever she told me that she did not care if what I had to say and that it was my problem to just pay the bill so I went back to brand sergical and told them of what had happen and they told me that yes she was bad and mean and difficult to deal with but that if I would get anything else done with them they would lay this off for me I have been trying to fix this for a long time please help me thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/16 I checked my balance online, prior to making a purchase at XXXX XXXX XXXX. It said my balance was {$70.00}. I had a an item pending, but my available balance once the pending item was applied, was still plenty enough to cover my purchase. I purchased {$30.00} at XXXX XXXX XXXX, and went home. That night I looked at my balance, as I do daily. I had money available, although I do n't recall how much at that moment. It was a positive balance, and I saw my XXXX XXXX charge go through for {$25.00} ( less the tip amount, which was {$5.00} ). The next day, on XXXX/XXXX/16, I believe I did n't glance at my balance at all, or make a charge. On Friday, XXXX/XXXX/16, I took my sister to the airport and paid for {$2.00} worth of parking, and we got some ice cream for my kids. Since I had n't used my card since the day before, I was sure I had enough to cover the {$15.00} ice cream and the {$2.00} parking, which would have left my balance at {$22.00}. I did n't see this as a problem as I had a deposit that the depositing bank had emailed me about that stated it was due to post to my bank account on XX/XX/XXXX. I assumed that would occur, and either way my balance was positive. That night I paid {$15.00} toward a presidential campaign donation. Right before I went to bed, I wondered why my bank had not yet posted my deposit, but still I had a positive amount of money in my account. Saturday, I woke and looked at my account, hoping the deposit had finally posted. It had not, and I had now a negative balance, due to XXXX overdraft charges that were erroneously charged to my account beginning with the XXXX XXXX charge. So, this here is the problem. At no time prior to that morning, did my account say I was negative, nor did it say I did n't have enough to cover the very first charge I made, that they say made me overdraw. My balance online still reads {$70.00} prior to the XXXX XXXX charge, and they charged me {$38.00}. Next they charged me another, and another, all snowballing because of the first erroneous fee. It continues on today. I have spoken to the bank on three occasions. Once by phone, when the Rep just told me I was overdrawn, which obviously was not true. The next time I emailed, and was given a basic default response, that had n't much to do with what I 'd emailed about. The third time I contacted again by email, no pretty upset. I was given a response that they would look into the matter and either way call me immediately. That was two days ago. No call, no answer. I want my money back, and hope you can help. As of today, XXXX/XXXX/16 they have fined me {$220.00}. When my deposit came through finally on XX/XX/XXXX, I withdrew the money at the ATM. Then, they fined me for that!!!! I clearly had that money in there. This is just ridiculous. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: ally financial gave me a 18 % interest rate ofnmy auto loan and i also put down XXXX to get financed I believe everything was based off of ethnicity. 

Company response: Company chooses not to provide a public response
Consumer complaint: I just learned today that the debt collection agency XXXX XXXX XXXX on behalf of Bank of America telephoned my wife in late XXXX XXXX. The collector harassed my wife to the point that she felt forced to pay {$50.00} on the account and has done this in years past to re-age the account. The account is not my wife 's account. It is my account. I never gave my wife authority to pay anything on the account or on behalf. The account is out of statute. Back in XX/XX/XXXX my XXXX son XXXX for months on end. I have not, personally, paid on the Bank of America account for over 5 years. I know the collection of the account is out of statute. Here in Pennsylvania the statute of limitations is four years. I believe it is an unlawful collection practice by XXXX XXXX XXXX to hound a non card holder to make a nominal {$50.00} payment in an attempt to revive the statute of limitations -or any other amount. I believe that XXXX XXXX XXXX should return to my wife the recent {$50.00} payment that they procured by fraud. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have requested information regarding my credit card account being abruptly closed and I was contacted by a representative stating that my dispute would be resolved and I have never heard back from this representative. I am eager to resolve this matter as it is reporting negatively on my credit report. 

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