AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have written to XXXX XXXX on several occasions asking them to confirm the validity of this debt, but they have provided no information for me. I do n't know where the debt originated, or if they should even be pursuing me to collect it, as they 've never given me any details. I would at least like it to be removed from my credit report in the meantime. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a medical bill debt of {$28.00} that I did not know about for years after the incident. I never received collection calls so it just sat there. I checked my credit back in XXXX and saw it, so I paid it off. I saw it was still showing up in XXXX so I called the company and asked that it be reported. It is now almost XXXX and it is still showing up on my credit report as in collections. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: NOTE : I am submitting the news release " tip '' info going to major media sources today. Citibank is still cheating credit card holders, now with their " Deals ''. 

News Release : After reading about Citibank 's XXXX XXXX " largest ever '' fine by CFPB today, it seems the abuse has not ended. I am a victim today of the Citibank " points '' deals. I booked XXXX rooms in XXXX Arizona on XXXX/XXXX/15 and had to use my Citibank credit card. 

The charges were {$100.00} and XXXX. Then, I did everything I was told to do when I checked. I showed my XXXX reservation slips and reservation numbers to the merchant motel office employee upon check in on XX/XX/XXXX. 

Upon checkout on XX/XX/XXXX he again charged {$91.00} and {$94.00} for the XXXX rooms, using as instructed the Citibank CC upon check in. The total charges are amounting to XXXX charges for {$400.00} for XXXX meager motel rooms for just one night. 

Since the motel exposed their " true '' pricing with the lower figures, the Citibank " Deal '' is no deal, just a rip off. On top of that, they refuse to reverse or refund on the higher charges. 

Also, their online software allowed XXXX dispute but will not take the XXXX dispute on the higher amount. Also, the one that allowed said it was issuing a temporary credit. But in 24 hours, no such credit was applied to the online balance. 

Let America know about Citibank " Deals ''. They are " No Deal '' as I have found out. How many more get abused each day by them? 

Company response: Company chooses not to provide a public response
Consumer complaint: Apparently, a XXXX debt for my daughter XXXX XXXX adult for which I have court appointed legal guardianship ) has been turned over to this collection company. I have been paying on this debt for over two years at the agreed amount of {$50.00} per month. The collector XXXX took my statement verbally as legal guardian. When told that I have a payment agreement with the debtor and had made payments perfectly, her attitude and statement was " come on sir, we are XXXX too old for these games ''. During the call, which was on my cell phone, the sound dropped for approximately 10 seconds, after which she became extremely beligerant and stated again " we 're too old for this ''. Basically, nothing was accomplished except her implying that I am not telling the truth. I told her when I got back home I could send her the payment records. After this call, I called her supervisor and he was less than agreeable to help. After hearing that I wanted to register a complaint, he said he could not discuss my daughter 's account without proof of legal guardianship. I have the letters from the court that I could forward to him. He all but hung up on me with again no resolution. Based on his actions, I now have another complaint against the company regarding discussing the information on my daughter 's account without proof of my court appointed guardianship. The first collector freely discussed the account based on my verbal statement. The second person said they could n't do that. So someone broke the law. I guess it is their choice as to who they want to determine violated the law ... the first person or the second person. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015, I looked into securing an apartment for my daughter who had just XXXX from University XXXX XXXX, TX and had accepted employment with a XXXX company. We toured the " District at XXXX '' and decided that my daughter would like to live in this apartment complex. I then proceeded to write XXXX checks ( {$200.00} and {$170.00} ) to complete the application/administration and background check process. 
Several days later the district informed my daughter that the checks I wrote were returned as NSF checks. I immediately contacted my credit union and they confirmed that there were sufficient funds in my account to cover these amounts and that there was no shortage of funds in my account that would have triggered this issue. 

I then called the leasing office and tried to explain this matter to the agent. Since the leasing agent could not comprehend this issue I asked to speak to the business/accounting office. An employee in the business office spoke to me briefly and was extremely uncooperative towards me even after I offered to send a copy of my bank statement that would have clearly shown that there were adequate funds in the account. 
In the next 2 weeks I tried to contact the business office only to be told that they would not take my calls. The issue became compounded since I live in XXXX and could not drive down to the Apartment complex ( in XXXX ) without advance planning and inconvenience to my schedule. Since my daughter had to report to her new job on XXXX XXXX, we had to search elsewhere to secure a place for her to live. 
On XXXX XXXX, a debt collector ( from National Credit Systems ) named XXXX XXXX called my daughter and threatened and intimidated her, demanding that she pay {$470.00} immediately. My daughter was extremely traumatized by XXXX XXXX 's telephone call. I later called the collection company only to be bullied by XXXX XXXX repeatedly. I then called the " District at XXXX '' but they again refused to speak to me. I then sent them an email asking for an explanation. 
I received a reply from the manager - XXXX XXXX with an attachment that shows that they attempted to collect on the XXXX checks I had written, but the way in which they presented it to my credit union was incorrect. In fact the account number was correct but the account holder 's name they used was my daughter 's name and not mine. I immediately emailed the manager and pointed out the error. She then replied and stated in her email that she would waive some of the charges but I would have to pay {$170.00} in the form of a money order and once they received these funds they would contact the collection agency and instruct them to stop harassing my daughter. In order for my daughter to have peace of mind we decided to pay the {$170.00} immediately. 

I have the email trail with file attachments from the " District '' that clearly shows that they made an error but they continue to try to extract money from unsuspecting customers. 

I can be reached at XXXX XXXX XXXX if needed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a loan currently held by XXXX, who purchased the Loan from Norcom. My mortgage has never been late and is consistently paid three months in advance, but the escrow is now in discrepancy for over {$1400.00}. Let it be known that insurance and taxes are figured into the monthly loan amount. 
XXXX bought the loan from Norcom taking it over XX/XX/XXXX. XX/XX/XXXX I received a check from XXXX for about {$240.00} for an overage in my escrow account. I did n't cash it because later that month I received a letter of demand from the town demanding payment for a year of unpaid property taxes ; there was an obvious error and I did not want to compound it. I got in touch with the town to confirm they had n't received the taxes and then contacted XXXX to resolve the issue. XXXX paid the town taxes. I then received a letter from XXXX stating that my escrow account has a shortage {$1200.00}. I contacted XXXX to dispute and was told that it was not their issue and I had to take the issue up with Norcom. I contacted Norcom and Norcom stated that they were not responsible because they had the loan serviced by XXXX for a short time, approximately a year. I am currently awaiting a response from XXXX. 
The facts are that I have faithfully kept my end of the deal and have also gone above and beyond by staying 3 months ahead of scheduled payment. The XXXX variables, property tax rate and insurance premiums, have been audited on a regular basis and my mortgage payments were adjusted to keep pace. For this discrepancy to occur my taxes would have to have doubled over the course of a year, they have not. It is striking that the amount that is in discrepancy is the same amount as the property tax payments that were never received by the town. XXXX, Norcom and XXXX have taken no responsibility to make sure all funds, that I have worked for and provided, were properly accounted for, transferred or distributed as they serviced and transferred my loan between themselves. They are now trying to force me to financially compensate for their error/errors. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I consulted with HUD counselor in XXXX 2015 regarding options to lower my mortgage payment. In XXXX I received a letter dated XXXX/XXXX/15 from Bank of America ; stating that XXXX XXXX would be my dedicated Customer Relationship Manager. I then received letter dated XXXX XXXX, 2015 congratulating me on being approved for Trial Period Plan, but I would have to return signed trial period plan and requested documents. I did not sign Trial Period Plan, nor did I submit requested documents, as I did not want to move forward with the modification or Trial Period Plan. In XXXX 2015 I spoke with XXXX XXXX directly ; letting her know that I did not want the modification, as is it would add time onto my mortgage. She stated, " it is already in the works ''. When I questioned how this was possible without my signature, she responded, " we assumed you wanted to move forward ''. I have continued paying my regular mortgage payments, yet there is a code on my account which delays the payment from being applied directly and results in reversals of late fees and unapplied funds. It appears my account is in the Trial Period Plan, although I did not sign or provide documentation requested to move forward with the modification trial period plan. 

Company response: Company chooses not to provide a public response
Consumer complaint: I deposited a check from my insurance company for short term XXXX, Principal Life in the amount of {$2200.00} less {$100.00} = {$2200.00} on XXXX XXXX, 2015 in my checking account at Branch Banking and Trust, aka BB & T in Kentucky. They are delaying/holding my deposit for XXXX days, they said because I overdrew my account in the past XXXX months. I went to the ATM with my ATM/XXXX card and it allowed me to withdrawal money, but BB & T charged me {$36.00} for each ATM/XXXX withdrawal. How can this be legal? 

Company response: Company chooses not to provide a public response
Consumer complaint: I am sick of these Credit Agencies. Over and over I go thru the dispute process, they just change the reporting each time, they never verify it. 
I attached the XXXX print out because when you pull XXXX directly it does n't point out it 's own mis reporting, besides I fight thru the XXXX.com, it wo n't let me thru so I have to go pay each time. I am not being taken again1- attached page of XXXX, you can see it 's XXXX and XXXX XXXX my name, it is reporting XXXX accounts on a payment plan, that plan was paid and discharge 2 years ago2- Attached page from XXXX reporting XXXX accounts with no payment history. I have requested the history and the accuracy of the last payment date, no response. In the words of XXXX XXXX, " trust but, verify '' apparently not with XXXX, they just tell me to pound sand when I do n't trust them anymore because when I request to verify information or simply delete the account if the vendor ca n't verify the information- why so difficult? 

XXXX-attached First Horizon reporting, Like me you can see the reported history does n't match the last payment date. What they did is transfer to XXXX, so my record looks like I have XXXX mortgages that were late and lowers my score. XXXX XXXX made a mess of my Modification request, transferred it, threw out my paperwork. After XXXX times with full submissions and my attorneys help, XXXX completed it in 2014. I am requesting the entire XXXX be deleted as no one is able to actually verify the payment history and they should n't be rewarded for making a mess out of the account. While I was in XXXX XXXX, no reporting was available, the moment it was discharged, this erroneous reporting shows up. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ongoing : [ Case number : XXXX ], [ Case number : XXXX ] With regards to the response from SLS and XXXX XXXX XXXX, unfortunately it was inaccurate and lackingpertinent information regarding our initial XXXX loan modification XX/XX/2013. First, all3 initialmodification payments were made on time to XXXX XXXX XXXX and attached are supporting documentswhich were sent to SLS confirming that from copies of entries from our checking account. Secondly, wecalled multiple times to confirm with XXXX XXXX XXXX during that 3 month trial period to make sureeverything was ok and on track with our modification and each time we were told everything was fineand looked ok. And lastly, we did in fact receive a XXXX letter from XXXX XXXX XXXX on XX/XX/2013stating our trial loan modification was denied which surprised us as we had been told everything wasfine during the prior multiple calls to XXXX XXXX XXXX to confirm we were on track with our trialpayments. So as soon as we received the denial letter we called XXXX XXXX XXXX to question why wewere receiving it, and the response we received from the customer rep was to, " ... .. ignore the letter as itwas sent to us in error. '' And we were also told to keep making the trial payments even though it wasafter the 3 months which we also complied with. 

Company response: Company chooses not to provide a public response
Consumer complaint: Overcharging Fees on our checking account. In last 3 years maybe 4 at least {$8000.00} in fees and overdraft charges. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a 30 and 60 day late notice on my credit that was reported by XXXX. I disputed with XXXX and Transunion but was told the credit was validated. I was sent to collections for a balance of {$2.00} from an overdraft protection charge from my reserve line credit account. First of all I paid my reserve line in full in XXXX of XXXX and requested it to be closed. I was then charged a {$5.00} overdraft protection fee in XXXX XXXX. Based on their Deposit Account Agreement I had the option to authorize an " opt in '' from my reserve line for overdraft protection but never approved or authorized XXXX to draft from my reserve line for my checking account. The {$5.00} fee was taken from my reserve line and applied as an overdraft fee for my checking account. I included all documentation to show the transactions. I never received any calls of the fee nor emailed or mailed statements. XXXX took the fee out of my account without authorization and ended up crediting back my account the balance and late fees in XXXX of XXXX ... two years since I requested it to be closed. XXXX is also unwilling to correct my credit score as they said the XXXX notice ws valid ... they did remove the 60 day notice. XXXX has been unwilling to work with me to get this corrected and I feel they reported incorrect info to the credit agencies even after I pointed out their error. Their intentional deception of credit reporting has damaged my credit history and thus would not allow me to qualify for a home loan. I was also told that US Bank could have provided a coutesy removal of late notices but did not contact them in time ... XXXX is deceptive in the credit practices and has taken steps to harm me since this was reported to the CFPB. I also contacted the president of XXXX but XXXX XXXX was unwilling to proect the customer and is willing to allow his company to conduct deceptive and harmful collection and credit practices. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been charged over {$1400.00} by bank of America in less than XXXX months for overdraft fees. All the overdraft fees are directly related to XXXX, which they have classified on my account as a " recurring '' purchase, which is why it has been paying it out. The over drafts are all less than {$5.00}, and I have requested Bank of America to return XXXX to a normal status on my account, and not the recurring characteristic that they have changed the designation to, in order to prevent the fees from being payed out. The account is a bank account set up to allow a younger sibling to take a specific amount of XXXX 's each month instead of the bus, and when he reached his dollar threshold previously, it would force him to take the bus. Now, the account overdrafts and charges me massive amounts of fees, defeating the entire purpose and set up. This is absolutely outrageous to have been charged {$1400.00} in overdraft fees in less than XXXX months for a designation BOA decided to change with no notice to me, and now will not change back. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a auto loan with bank of America in which we agreed on a payment to close the account out after they sold the vehicle at a auction. they also stated if payment was made in go faith they would delete this item from all three credit bureaus I made the payment as agreed and this item is still reporting on all XXXX credit files. I contacted them and disputed several time but no success. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a loan currently held by XXXX, who purchased the Loan from XXXX. My mortgage has never been late and is consistently paid XXXX months in advance, but the escrow is now in discrepancy for over {$1400.00}. Let it be known that insurance and taxes are figured into the monthly loan amount. 
XXXX bought the loan from XXXX taking it over in XXXX of this year. In early XXXX I received a check from XXXX for about {$240.00} for an overage in my escrow account. I did n't cash it because later that month I received a letter of demand from the town demanding payment for a year of unpaid property taxes ; there was an obvious error and I did not want to compound it. I got in touch with the town to confirm they had n't received the taxes and then contacted XXXX to resolve the issue. XXXX paid the town taxes. I then received a letter from XXXX stating that my escrow account has a shortage {$1200.00}. I contacted XXXX to dispute and was told that it was not their issue and I had to take the issue up with XXXX. I contacted XXXX and XXXX stated that they were not responsible because they had the loan serviced by Loancare for a short time, approximately a year. I am currently awaiting a response from Loancare. 
The facts are that I have faithfully kept my end of the deal and have also gone above and beyond by staying XXXX months ahead of scheduled payment. The XXXX variables, property tax rate and insurance premiums, have been audited on a regular basis and my mortgage payments were adjusted to keep pace. For this discrepancy to occur my taxes would have to have doubled over the course of a year, they have not. It is striking that the amount that is in discrepancy is the same amount as the property tax payments that were never received by the town. Loancare, XXXX and XXXX have taken no responsibility to make sure all funds, that I have worked for and provided, were properly accounted for, transferred or distributed as they serviced and transferred my loan between themselves. They are now trying to force me to financially compensate for their error/errors. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am enclosing a complete file of materials that I have submitted to Bank America regarding dresses that I bought the fabric for and had a tailor to make them at a cost of almost {$500.00}. Unfortunately, none of the dresses fit.. They are too tight across the bustline and the zippers do not work. Bank America has decided that I have not submitted sufficient information for them to make a decision regarding the fact that XXXX XXXX did not provide the services that I requested. 

Company response: Company chooses not to provide a public response
Consumer complaint: Both of our mortgages were sold to Green Tree Servicing , LLC by XXXX XXXX XXXX. XXXX were the original mortgage lenders. Both mortgages # XXXX and XXXX, are in foreclosures status. We are trying to work out an amicable and achievable modifications for both. On XX/XX/XXXX, I received a call from Green Tree, rep, XXXX regarding account # XXXX. He proceeded to inform me that I was missing some documents and missing info on XXXX form. He was very rude, derogatory and belittling. His tone was offensive. I finally requested that he does not call me anymore. My husband and I already feel bad about being in this position. We are not criminals, which was how XXXX was conducting our conversation. When I told him that he lacks customer service skills, he proceeded to inform me that he 's a debt collector, he implied that he operates under a different set of rules. Are debt collectors allowed to demean and 'bully ' their clients??? 
I would like both of our mortgages to be sold to another mortgage lender before re-modifying. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: On XXXX XXXX, 2015 I in good faith opened up a Bank of America account and deposited a check from XXXX XXXX for {$1.00}, XXXX. I received a check from XXXX XXXX for damages to my refrigerator through a XXXX XXXX warranty account. Once I found out that the check was returned I notified XXXX and was told another check would be reissued in its place. 
I spoke to a Bank of America representative in customer service and explained the problem and was told that I would be given until XXXX 2015 to clear up the repayment. I am requesting that my name be removed from any negative reporting list. I have paid back the bank in full. 

Company response: Company chooses not to provide a public response