AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: i made my monthly payment ( {$60.00} ) to continental finance for my matrix credit card bill. the company claims the that they never deposited the check and it was returned. they also charged me a {$25.00} returned check fee. this is all a lie because i have the copy of the check from my friends bank which shows continental finance deposited and endorsed the check. so they basically took my money, lied and said they never received it, and now charging me a returned check fee. they are also telling me that it will take up to 90 days to resolve the issue and i have to repay the {$60.00} + returned check fee in the mean time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I HAD A LIEN PLACED ON MY HOME DUE TO OWING TAXES TO THE STATE OF MICHIGAN, WHICH SINCE HAS BEEN RELEASED XXXX OF THIS YEAR .... PAID IT IN FULL WITH MY REFUND, ALSO RECEIVED A LETTER STATING THE LIEN WAS IN FACT PAID IN FULL IN THE MAIL. 
THE CREDIT BUREAU ( S ) NEED TO UPDATE AND I AM SURE THIS WILL HELP MY CREDIT SCORE. THANK YOU FOR ALL YOUR HELP THIS IS A WONDERFUL VERY HELPFUL SITE, I AM SURE YOU ARE HELPING MANY!! 
XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Promissory Note with Bank of America XXXX BOA XXXX that was cancelled in XXXX. After repeated requests for them to remove the lien on my property, BOA has not yet removed the lien ; nor have they responded to my requests. Furthermore, BOA is attempting to foreclose upon the property on behalf of XXXX using a non approved substitute trustee and foreclosure attorney XXXX XXXX with The XXXX Law Firm, who dismissed the foreclosure on XXXX XXXX, XXXX, withdrew from the case on XXXX XXXX, XXXX and now bringing back a XXXX Motion To Withdraw their voluntary dismissal. 
I seek your assistance in ending further extortion attempts by Bank of America and XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX or any of their affiliates should remove such negative and false statement from my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear sir/madam, as I was going through my credit report on Experian and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX or any of their affiliates should remove such negative and false statement from my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid a tax {$1100.00} to XXXX XXXX XXXX XXXX XXXX on time. Bank of America made a mistake whereby the taxing authority returned the money to my account and Bank of America paid them the above amount plus {$220.00} in late fees. The mortgage payments are deducted from my cheeking account on the XXXX of the month automatically. Bank of America erroneously opened an escrow account and fund it out of my payments thereby making my loan payments partial payments and late for the last XXXX months. I have spoken to several persons in customer service and escrow department. I am promised the problem will be fixed it is not. I have a letter dated XXXX/XXXX/2015 my loan will be accelerated by XXXX XXXX. I was told to send a letter asking the bank to remove the late payment history from the XXXX credit bureau, I did. I was told I must also contact the bureau myself. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, My father and I have the same first name and last name the difference is that i have a middle name. When i am trying to do anything with a credit check using my SS # his credit information comes up. Trying to gather my information from the credit bureau i am unable because of information that i can not provide. 

Company response: Company chooses not to provide a public response
Consumer complaint: I its my job. Fell begins my payments. Finally found a job. Trying to get a hold of Wells Fargo to make a payment. Wells Fargo had a message stating XXXXXXXXXXXX representatives can help me at this time. Yesterday at XXXX XXXX Wells Fargo credit line collections called and disconnected the phone as soon as they heard my name. Then Wells Fargo calls stating I am not answering. I have video recordings of the phone calls. 

Company response: Company chooses not to provide a public response
Consumer complaint: My spouse wrote me a check for XXXX on a business account using my name instead of the business account name. She marked out the address preprinted on the check and wrote in the correct address. I deposited the check via the ATM not realizing it was written to me instead of the business. My wife 's credit union paid the bank as the funds were available. Sun Trust bank flagged the check as fraudulent and began an investigation. I provided all of the appropriate documentation to clear up the mishap, the bank finally cashed the check and closed my business account. The bank has smeared my creditability. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased an item from Best Buy using my Best Buy credit card. I paid the amount due in full on XXXX/XXXX/2015. The payment of {$100.00} was issued through my online services at XXXX. 
The account number for my Best Buy account had not been updated on my online services account with XXXX, so the payment went to Best Buy but to my prior account number. Best Buy now claims that I have not paid and my account is now in arrears {$240.00} because of accruing late fees. I have contacted Best Buy and they will not speak with you regarding this issue and refer me to their bank which is now Citibank. I contacted Citibank and submitted my proof of payment to their Payment Research Department. I continue to get statements saying the account is not paid. I spoke to " XXXX '' in " Escalations '' on XXXX XXXX and still the matter is not resolved. I have no way of resolving this because clearly the issue is inter-bank. I made a payment to Best Buy which was sent to my old account number XXXX and should be posted to my current account number XXXX, It is egregious that Best Buy offers no consumer protection to their credit card users as clearly they are the entity that could easily resolve this by having the payment credited to the correct account number. The continued billing and late fee surcharges have escalated to the point of harassment. I paid this account in full before its due date and yet I continue to be harassed because no one seems to want to do the work on their end to get this matter resolved. 

Company response: Company chooses not to provide a public response
Consumer complaint: This bill was paid off. I contacted XXXX XXXX at that time since I was employed and had a low income status, such as currently and they erased the hospital debts 100 %. I also had the same with XXXX health systems. I make around only XXXX right now. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received at least XXXX emails regarding a credit card that was activated in my name, which I do not have and did not apply for. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed an creditor for the incorrect amount they reported to TransUnion credit bureau. They said if I had document to show they were incorrect send them and they will review them. After they ( TransUnion ) got the document they still allowed the FALSE information??? I have called XXXX times to get the creditor deleted. The other bureau DID REMOVE the same creditor from my file??? I need HELP? 

Company response: Company chooses not to provide a public response
Consumer complaint: After requesting my email address be removed from Lending Trees obsessive advertising each time I log on I can not get it stopped. 
Please help with this simple request : I want my email address dropped from Lending Trees advertising. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was contacted by a representative of Stallings Financial Group out of XXXX, GA on XXXX/XXXX/2015. I was contacted by XXXX and he did not verify that he was speaking w/ me, nor did he give the mini miranda. They also disclosed all personal information to my sister who is NOT authorized on any of my accounts and now I am totally distraught. I had my husband to call them today ( XXXX/XXXX/2015 ) b/c he is in the collections industry and they were very belligerent and used condescending tones toward him when he tried to help me to resolve the issue in a professional manner. I have also made a complaint to the Georgia Governor 's Office of Consumer Protection and to the Federal Trade Commission as well. My husband also contacted the principal owner of the company who is XXXX XXXX or XXXX XXXX. I do n't know exactly which name she goes by at this time however we tried to make a valiant effort in taking care of this matter rationally to no avail. Also I left a message for her attorney which is XXXX XXXX XXXX and he is listed as the registered agent for Stallings Financial Group. I left a message w/ his secretary who said he will not be back in his office until tomorrow ( XXXX/XXXX/2015 ). 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I received a letter from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL XXXX, Tel : XXXX informing that effective XXXX/XXXX/2015 our HOApayments will be sent to Bank United and asking to discard the old coupons withthe information for XXXX. When I visited XXXX website toschedule my payments online, I found a convenience fee as follow : standardprocessing new bank account {$3.00}, credit card {$9.00} ; express pay new bankaccount {$9.00}, new credit card {$9.00}. Please note that with XXXX wedid not have any fee when paying online. This is a rip off, please stop them. 
For security reasons this is an anonymous report. Thank you. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I financed my house with a 15 yr, fixed rate mortgage and have paid mymortgage on time every month. Further, I have paid an additional $ XXXXto principal with each loan payment since the inception of the loan. 
Normally on fixed rate mortgages, the interest decreases while thepayment to principal increases as each payment is made. On theservicing of this mortgage, the interest that I pay fluctuates with everypayment and does not steadily decrease. For example, the interest thatwas posted on the statement dated XX/XX/XXXX of {$100.00} isslightly higher than the interest posted on XX/XX/XXXX of {$100.00}. Ibelieve that the allocation between principal is calculated incorrectly for afixed rate mortgage. I wrote to BB & T and received a timely response, but the letter does not address my concerns it merely cites that it is incompliance with CFPB regulations. 

Company response: Company chooses not to provide a public response
Consumer complaint: I did not receive notice from this company of my right to dispute this alleged debt. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: My loan was transferred on XXXX XXXX 2015 from XXXX to us bank. 
On my last statement with caliber dated XXXX XXXX, 2015, my outstanding principal balance was {$540000.00}. That should be the amount outstanding when the loan transferred to us bank. 
but when it transferred on XXXX XXXX, it was {$540000.00}, which is {$1800.00} short, which is the additional principal payment that I made and that I am MISSING! 
and that {$1800.00} is not the same {$1800.00} applied as principal on XXXX XXXX, it is the {$1800.00} that I paid towards principal on XXXX XXXX TO XXXX XXXX XXXX prior to the loan transferring to US bank. i have all the proof and I will attach with this complaint. 
I already filed a complaint against XXXX, and this one goes to us bank, so they can track payment history and adjust my principal balance {$1800.00} that I am owed. 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it may concern, I am writing this letter to complain about services from Select Portfolio Servicing XXXX Inc. ( SPS ). They have been managing my load for the past couple of years and I have had a horrible experience with them. I have been asking the company to remove my home owner insurance from the escrow account since XXXX of 2014 and the failed to do so. I wrote letters and called many times and every time I heard a different and usually conflicting story. They deferred this request few times and never resolved the situation. Each time that I talked to a representative I heard a different story. It has been a frustrating experience for a simple request. I felt responsible to write this letter and complain so this type of behavior and services are prevented for other citizens. 
Thanks 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 've repeatedly told XXXX, XXXX XXXX, XXXX, and now XXXX, that the delinquent student loan document # XXXX is not mine. I did not fill out the loan documents nor did I sign them. This student loan is for XXXX XXXX. I did not attend XXXX. I 've reported to all XXXX credit bureaus that this is not a valid loan and shown proof of signature verified by an XXXX Notary here in XXXX county. Someone created this loan in my name and NYHESC will not wish to recognize my argument. I 've repeatedly have been denied credit for home refinancing and purchase because of these false derogatories. IT ISNT RIGHT THAT I SHOULD SUFFER BECAUSE OF XXXX 'S CARELESSNESS IN LOAN PROCESSING! Frustrated, I have on retainer XXXX XXXX Attorney of Law Bar number XXXX. Feel free to contact me at XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I can not get anyone in the company to respond to my repeated phone calls and emails. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Collection company is trying to make me pay a collection fee for a debt that I paid years ago to the doctor and I do n't know how this company thinks it can collect from me. Their statements shows an original balance of {$0.00} but they want a collection fee of {$7.00}. They are threatening if I do n't pay, " Do not delay. Credit information is now being accessed for employment & apartment qualifying ''. Another threat is " Procollect will delete your account from your credit report and reduce the balance by 50 % if payment of {$7.00} is received in our office no later than XXXX/XXXX/2015. " I do not owe any debts and this is a scam. 

Company response: Company chooses not to provide a public response
Consumer complaint: Since I was not using enough the credit card, they have closed the account. 
No notification or warning was given to me to avoid having a negative impact on my credit score and penalizing my credibility 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX/XXXX/15 : XXXX $ of unauthorized ATM withdrawals were made in NJ supposedly using my card. I have never been to the said location and could not have been there at the time of withdrawals ( XXXX ) because I finish work in XXXX , NY at XXXX. 
XXXX/XXXX/15 : I find out my account is depleted and call Citi Bank. They set up an investigation as well as issuing me a new card, and I also change my pin. 
XXXX/XXXX/15 : I file a police report and call Citi Bank again. They decline the claim. 
XXXX/XXXX/15 : I re-submit the claim from a Citi Bank local branch, and the agent sends documents proving that I could not possibly have done the said transactions. 
XXXX/XXXX/15 : Citi Bank decline the claim again. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been making {$1300.00} payments on my loan for over a year now. my monthly payment is {$610.00} the additional money is supposed to be applied to the principal balance. This month they have changed that and they are making my payment for 2 months and are leaving {$66.00} in a partial payment acct. Now they are saying I do n't have a payment due till XXXX. This creative application of my payment is costing me double interest. if my payment was applied as it normally is my balance right now would be {$43000.00} with my next payment being due on XXXX XXXX instead my balance is XXXX XXXX a partial payment of {$66.00} and my next payment being due on XXXX XXXX. This is a {$440.00} in the banks favor, and if it continues it will be adding months of payments to the back of my loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter from Central Credit Services LLC and it stated that I owe XXXX {$100.00}. However my account with XXXX has been closed and paid since XXXX 2014. I called XXXX to double check that I did indeed pay my bill and received confirmation that I did in fact pay them in full and do not owe them anything. They have also been calling my daughter 's phone constantly for the last 2 months. 

Company response: Company chooses not to provide a public response
Consumer complaint: My identity was lost or stolen on a date unknown to me. I recently checked my credit report and found an account open that I did not open, authorize or consent to it being opened. I then filed a report with the FTC and other law enforcement agencies. I sent the information with all requirements to Experian via USPS certified mail. Experian refuses to delete the fraudulent account. I sent the company what I was given by law enforcement. In our region the officers do n't give you a physical report. Only a report number and a cover sheet which was submitted. The other agencies were filled on line in which that information was submitted also. The following account is not my account and I demand that it be removed from my credit profile ; XXXX XXXX # XXXX not my account please remove this fraudulent information from my credit file. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX and XXXX Is reaging a debt that was charged off XX/XX/2009 by continental finance and they are reporting this as a new collection on my credit reports 

Company response: Company chooses not to provide a public response
Consumer complaint: At the end of XX/XX/2015, I reached out to the holder of my current Mortgage, Bank of America, to explore refinancing. I spoke with a mortgage specialist and spent an hour giving detailed financial information. I then XXXX with that individual with more of my financial information via email after she sent her email link to me. I then never heard back. I tried outreaching about XXXX times and never heard a thing. I feel so uncomfortable having revealed every detail of my finances to this stranger, who then never XXXX with me in any way. I then reached out to a different lender to refinance and am about the close an a refinanced mortgage. I feel this should never happen to a consumer. Forget the wasted time..that 's nothing to the feeling of having shared my financial information and having it sitting " who knows where? '' Also, whenever we go directly to Bank of America to pay our mortgage in person, they always ask if they can discuss refinancing. It 's unacceptable for such a large bank to be so sloppy with it 's customers. To date, I do not have any sense of where my mortgage application went and in where all of my financial information sits. 

Company response: Company chooses not to provide a public response
Consumer complaint: I signed up with Experian in order to receive a XXXX time credit report in the amount of {$1.00}. Upon signing up I box prompted if I would like a XXXX bureau report along with my FICO credit score. I checked that I did, but was not made aware that an additional charge of {$39.00} was going to be added. I received my credit report and moved on. Today I checked my bank account and there is a charge in the amount of {$21.00}. I checked with Experian who advised me that the charge was for a monthly monitoring service that I did not cancel within the trial period. I did not authorize the monthly monitoring nor was I made aware of the trial period that I needed to cancel this unwanted service in. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a 7 day grace period ; however I receive non stop calls on cell/home/work numbers from XXXX the day payment is due until I pay. Where is the grace period? 

I am left messages stating it 's in my best interest to contact them ASAP. Company name Green Tree XXXX. XXXX from Green Tree XXXX and XXXX as well as several other numbers she has called from. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello two months ago my Credit score was XXXX and Today it is reported as XXXX 0r XXXX. I want to know why? All of my accounts are current and up to date:1. I should have XXXX credit card lines = all up to date and current XXXX with a XXXX Balance Never late2. My name should be spelled correctly ( XXXX XXXX XXXX ) 3. I have a car loan all up to date never late4. Public Record? would need to know what is there5. A personal Loan ( up to date and NEVER Late ) Why is my score so low? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have filed complaints with Experian about getting my credit report and Score and fixing anything that is not right on my credit report. 
I want my credit report and score so that I can see what is on it. 
My credit report should not have any thing negative on it. 

Company response: Company chooses not to provide a public response