AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I contacted my loan company to set up a arrangement to get my loan caught back up, since I had to move towns and jobs because they gave the other party on the loan my information after knowing there is a no contact, restraining order and that they are in prison so who ever is calling is not that party.do to my info being given out my truck has been vandalized so I moved again. So I am now moved and I made the arrangement to get my loan caught back up. I made the XXXX payment on time and even called them after leaving the local branch bank to tell them I had made the payment but there servers were down. I asked if they needed the tellers name and number so they could confirm the payment and was told no. So the following day and everyday after that the number I called from has had calls XXXX and XXXX times a day Monday thru Saturday from the bank. They have told the company it is not my phone and to stop calling. I feel this is harassment. I made my payment and am waiting on my next payday to make my next payment. I told them I was changing banks as well and waiting on my direct deposit to be set up. I have an account set up that is strictly for my payments and that I have a direct deposit set up for that money. I just have to wait for it to be switched over. I even set up the account at a branch of there bank so it would be all same day transfers. I am doing my best to keep them informed of what is going on and make my payments to get caught up, but to have a different person keep calling everyday to change what was already arranged i feel is harassment and an embarrassment this was a friends phone number. this is all being done by Wells Fargo Dealer Services Out of XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Submission of documentation - additional issues related to complaint number is : # XXXX. I have had this issue before - while undergoing a loan modification, the constant resubmission of documents. I have a realtor, the house is on the market, and BoFA is stalling with questions already answered during the loan modification and are requesting documents that has been submitted XXXX to XXXX since XXXX 2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a collection notice from RMS stating I owe $XXXX from XXXX however when I submitted a complaint to the XXXX and I was advised in writting I should disregard the bill that was issued, and in fact I was to receive a refund. Instead of the refund, I receieved a collection notice. I am attaching both the collection notice and the letter XXXX sent to the XXXX.
Company response: Company chooses not to provide a public response
Consumer complaint: I obtained a loan from Genesis Lending in XX/XX/XXXX to attend XXXX XXXX in XXXX, MI. After XXXX and obtaining a job, I began auto paying the {$99.00} payment each month and started saving so I could pay off this high interest loan. On XX/XX/XXXX, I paid the balance of {$2800.00} online and called the next day to speak to someone to verify that it was paid in full. I was informed that there was a balance of {$11.00}, but that that would be credited due to the balance being paid. I checked my bank account on XX/XX/XXXX and saw that they had taken the {$99.00} payment on XX/XX/XXXX even though the loan was paid off. I called and they were very rude and not at all helpful, informing me that it was my responsibility to go to my bank and dispute the charge or else send them a statement as proof that it came from my account. I informed them that I work during banking hours and I feel that it is their responsibility to fix their mistake and they can see that it came out of the same account that every other payment came from. I asked to speak to a supervisor XXXX times and was told she was having technical difficulties and unable to talk. After XXXX minutes, I was finally connected to a supervisor who told me that there was nothing she could do to correct their unlawful withdrawal of money that was not owed to them. I asked to speak to her supervisor and was informed that the account manager would not be in until the next day and would call me back. I never recieved a call from the account manager and am still waiting for this to be resolved. I believe that it is illegal to withdraw a payment on a loan that is paid off and very unprofessional to not do everything they can to fix this. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I received a claim form in reference to IQ data international. The company was requesting a change of address, telephone number and name. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Regions bank did a hard inquiry and assesed my credit information on XXXX/XXXX/2014. I have n't applied for credit at this bank nor do I owe them. They were not given permission to look into my records. I contacted them and they said that they were not aware of any inquiry and could n't give me a reason why they looked at my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX 2015 I received a dunning letter dated XXXX XXXX 2015 from CFSI informing me that I owed them {$1300.00} on an alleged debt from a company called XXXX XXXX XXXX. I disputed this debt in it 's entirety the following week via certified means on XXXX XXXX 2015 as I have no clue to who CFSI is or XXXX XXXX XXXX. I have no contractual obligations nor have I had ANY obligations to either. To my complete horror and surprise CFSI reported this so-called debt on my XXXX report on XXXX XXXX. No response to my dispute whatsoever!! And they reported it at least XXXX weeks before the XXXX day period as prescribed by Federal Law. After doing some due dilligence on CSFI, ive come to realize that this method of extortion/fraud is their method of operation. This company has a vast record of breaking FDCPA laws. Please, by all means, just look it up for yourselves. Do n't take my word for it, it 's all over cyberspace for anyone to see. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had pending transactions on my account that when they posted would over draw my account. I had money deposited into my account to avoid the over draft fees I would get if everything posted without depositing money. I was still charged an over draft fee for a transaction which is what actually caused my account overdraw. I contacted the bank about the matter and they told me that they are allowed to charge overdraft fees for pending transactions. They never did this before, in fact when I opened my account with them they encouraged me to use online banking and to set up alerts so if there were pending transactions on my account that would cause my account to over draw I would have time to deposit money before the items posted to my account. Now they are doing something else and trying to tell me that this is the way it has always been. 

Company response: Company chooses not to provide a public response
Consumer complaint: ZALES Jewelry is charging me 28.99 % interest on their card. I owe them {$2200.00} and my monthly payment is {$78.00} monthly..I pay in interest per month a whopping $ XXXX..At this rate I would pay this loan off in 13 years and paid them $ {$6200.00}. This is predatory lending..They are located in a mall a public space and they should be subject to the fair lending laws and people should be warned of their practice XXXX they buy jewelry for their love ones because they are easy to be taken advantage of in the love state of mind. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an account that was a recent balance change date it has always been {$0.00} as of XX/XX/XXXX. IT has now been changed to {$0.00} as of XX/XX/XXXX. This change goes along with my discharge date of XX/XX/XXXX as to what Experian has told me. But what they cant understand that this has made me take a big hit on credit score as that it makes the account look as if it was just {$0.00} as of XX/XX/XXXX. This account has always been {$0.00} ever since XX/XX/XXXX since I filed bankruptcy as to the original company XXXX XXXX sold the account and never filed a claim it was XXXX out. I can understand under Status it showing discharged as of XX/XX/XXXX but not a change of date under Recent Balance. FOR this change has made the account look as if I owed a balance before XX/XX/XXXX and looks as if I owed money that I did n't owe, Experian refuses to change the date back or delete account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I XXXX XXXX I got a mortgage with PMI from BankUnited, XXXX. At that time I received the Federal Truth-in-lending disclosure and the PMI was set to {$370.00} for the XXXX XXXX payments and to {$67.00} for the next XXXX payments, and no PMI thereafter. 
In XXXX XXXX the PMI increased to {$410.00}. BankUnited did n't send any notification. In XXXX XXXX I noticed a very small decrease XXXX to {$410.00} XXXX, again without receiving any notification. 
Every year, in XXXX, after receiving the escrow account statement, I inquired about these PMI changes calling the bank. I spoke with several representatives asking about the PMI change and the reason for this change, but it seemed they did n't have the knowledge or responsibility to provide an answer. Every time after these phone calls, I was told to expect to be contacted by someone else from another department, but only thing that happened was to receive courtesy letters with the conditions to drop the PMI, totally not related with what I asked about. 
This year I insisted more and I got to talk to a representative that explained to me there 's another company that charge this PMI and she will contact this company asking for the answers for me. I called back few times and I was told that the PMI company did n't reply. 
It 's been three months since I 've started this endeavor this year and still no explanation. I called back XXXX about XXXX weeks ago and the representative told me she would follow-up with them ... again. I still have n't received any call back. 
I had XXXX loan modifications during these years, in XXXX and XXXX, but the new documents did n't contain anything regarding the PMI and there was no new document added that mentioned the change in PMI. Moreover, the dates when the PMI changed were not related to the dates the loan modifications occurred. I was told also during the discussions I had with the bank 's representative that the PMI was n't affected by the new loan conditions. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I deposit appoximately XXXX in order to cover all my bill payments. The bank name Wells Fargo has charged me overdraft fees for no particular reason, I was told anytime, when you deposit funds in your account when your balance is in the negative, and you deposit your funds into your account, there should be no overdraft fees. While Wellsfargo charge me up to XXXX overdraft fees, for nor particular reason. and could not address the issue of why the bank did so. I was told by a rep that if my account access a overdraft fee is to call back to the back and the bank will resolve the issue. Well I was misinformed about the situation when I talked to another rep, to resolve the matter. And the rep told me I should have gotten the rep name and number. I feel like Wells Fargo is a scam. Why would I get the rep number and call the rep concerning my account. I was treated very unfairly and I decided to file a complaint. Wells Fargo has charged me XXXX in overdraft fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit indebtedness had been satisfied and yet the credit card companies are reluctant to remove or change the status of my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX and this is in regards to my my brother, XXXX XXXX, who took a payday loan out with Cash Net USA in XXXX XXXX according to XXXX XXXX with Cash Net USA who provided me this information today XXXX XXXX, XXXX because he was thinking I am XXXX. XXXX XXXX never paid the loan back, and since he gave my name and number and my sisters names and numbers on the application, Cash Net USA and a private locator by the name of XXXX XXXX that they have hired, have been calling us and harassing us about the loan. XXXX XXXX leaves threatening messages stating that the message is for XXXX XXXX and that if they do n't get in touch with XXXX that they will have to take legal action in court. From that message, anyone listening to it can tell it is regarding a debt. Those messages are embarrassing to us and we do n't want our children or spouses have to listen to those types of messages left on voicemails. We never gave Cash Net USA or XXXX XXXX authorization to provide our phone numbers on the application. That was done without our authorization. We have nothing to do with this debt and Cash Net USA and any individuals, like XXXX XXXX, that they have hired, should not be calling us at all or discussing the account with us at all that they have done. We do not have anything to do with XXXX XXXX as we do not speak with him and do n't want anything to do with him. All of us have been estranged from him since XXXX. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: My granddaughter was scammed by XXXX of her friends by processing a stolen check through her checking account. When I got the letter in the mail of a returned check I immediately went to the bank. The representative printed off the check, it was from someone in New York. After doing some investigation I found that the check had been stolen from an elderly woman by her care taker. I contacted the bank and advised them what I had found out. I also pressed charges against the young man. After all the back and forth with the bank they sent it to a collections agency. 
The agency contacted me and after explaining to them took they offered me a settlement amount if I were to pay {$200.00} on that day and XXXX payments after that. I asked if they would send me something in writing stated the agreement before I send in the payments according to the arrangement. I was told I would get a letter, I never received an agreement. I contacted them XXXX times after not receiving anything. They finally said they sent it to my granddaughter 's school where she attends college. I phoned my granddaughter and she stated she never received a letter. Phone calls went back and forth and I never received an agreement but was told it was documented and that I could send my payments. We started making payments and each time we made a payment it never reflected the agreement we had made only the amount that had be sent to them by the bank. 
I phoned back and was told that because I had missed my payment arrangement it was cancelled and would have to start a new XXXX. I explained I did not missed a payment, it was poor communication about the letter I was to receive. I started to send payments. I decided that we would make payments in increments as long as the amount was paid by the date they set. I ask if this was ok and was assured it was. We continue to make payments and each representative would give me the original amount until I explained the agreement. I would place me on a long holds, they would come back and state they it is documented. 
Each representative I spoke with I would ask, why am I getting notices that are not reflecting the agreement amount but the original amount from the bank. Each time I was told it was documented. After a couple of the representatives I spoke with stated the original {$200.00} was to go toward the second arrangement this would have made our balance {$430.00}. I phoned them on XXXX XXXX, 2015 to make a payment on the {$430.00} and was told it was {$630.00}. I advised the young lady I would be filing a complaint because I felt that I was just throwing money away. I received a call from another young lady early Saturday morning stating that the agreement was broken and that we now own {$1000.00}. I advised her that I had filed a consumer compliant and would speaking with the XXXX on Monday morning. The arrangement changed, I never received an agreement with the settlement amount and I was n't treated fairly. I feel that we have been scammed a XXXX time. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: My granddaughter was scammed by one of her friends by processing a stolen check through her checking account. When I got the letter in the mail of a returned check I immediately went to the bank. The representative printed off the check, it was from someone in New York. After doing some investigation I found that the check had been stolen from an elderly woman by her care taker. I contacted the bank and advised them what I had found out. I also pressed charges against the young man. After all the back and forth with the bank they sent it to a collections agency. 
The agency contacted me and after explaining to them took they offered me a settlement amount if I were to pay {$200.00} on that day and XXXX payments after that. I asked if they would send me something in writing stated the agreement before I send in the payments according to the arrangement. I was told I would get a letter, I never received an agreement. I contacted them XXXX times after not receiving anything. They finally said they sent it to my granddaughter 's school where she attends college. I phoned my granddaughter and she stated she never received a letter. Phone calls went back and forth and I never received an agreement but was told it was documented and that I could send my payments. We started making payments and each time we made a payment it never reflected the agreement we had made only the amount that had be sent to them by the bank. 
I phoned back and was told that because I had missed my payment arrangement it was cancelled and would have to start a new XXXX. I explained I did not missed a payment, it was poor communication about the letter I was to receive. I started to send payments. I decided that we would make payments in increments as long as the amount was paid by the date they set. I ask if this was ok and was assured it was. We continue to make payments and each representative would give me the original amount until I explained the agreement. I would place me on a long holds, they would come back and state they it is documented. 
Each representative I spoke with I would ask, why am I getting notices that are not reflecting the agreement amount but the original amount from the bank. Each time I was told it was documented. After a couple of the representatives I spoke with stated the original {$200.00} was to go toward the XXXX arrangement this would have made our balance {$430.00}. I phoned them on XXXX XXXX, 2015 to make a payment on the {$430.00} and was told it was {$630.00}. I advised the young lady I would be filing a complaint because I felt that I was just throwing money away. I received a call from another young lady early Saturday morning stating that the agreement was broken and that we now own {$1000.00}. I advised her that I had filed a consumer compliant and would speaking with the XXXX on Monday morning. The arrangement changed, I never received an agreement with the settlement amount and I was n't treated fairly. I feel that we have been scammed a second time. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX has attempted to collect on a debt that is past the statute of limitations. They said they could put it back on my credit report, although it is no longer showing. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: could not get free credit report from Experian. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased an item from Macy 's and returned it before the payment was due. My account was charged a late fee and was charged for the " discount '' of the item I purchased. Later a payment was withdrawn in error from a closed checking account. When I called to inform them and asked them to stop the withdrawal they refused and attempted XXXX more causing charges from the bank. They agreed to waive the {$21.00} balance on my account and sent me an overpayment check for some of the charges. A month later I get a statement with a balance again even thought I have n't used the card. I call and they say it will be waived to zero. Today I receive a statement and the balance has doubled. I called and they said they made an error and it was n't waived and now they have charged another fee and reported it late on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I keep getting phone calls from XXXX XXXX XXXX. I want them to stop. 

XXXX shows they areXXXX XXXX ATTORNEY AT LAW XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX : XXXXXXXXXXXX : XXXX : XXXX : XXXX : XXXX? XXXX 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Received a letter from Stoneleigh Recovery Associates LLC and trying to collect the balance due for XXXX that has been resolved for so many years ago. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: When I first file complaint against TransUnion about information regarding my credit report. My FICO score was about XXXX with reporting to XXXX XXXX company. After a period of time information was deleted from my credit report but my rating went down somewhat. TU ( XXXX ) FICO On the complaint filed with Consumer Financial Protection Bureau case # XXXX section Desire Resolution I stated that " I want information removed from their credit reporting companies and XXXX points put back on my credit report with good standing. TransUnion did response and delet the information but the FICO SCORE was still to low. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took out a payday loan with a company called CashNetUSA in XXXX. There address is XXXX XXXX XXXX XXXX XXXX XXXX, Ill XXXX. There telephone number is XXXX. This is an online lender. 
During the time I took the loan, I had changed employment which has now affected my income and paydates. I am paid XXXX monthly. When I realized that I would not be able to pay the high interest to extend the loan for another XXXX weeks I emailed the company explaining my situation to and asked them to change the due date that I would be able to meet. The notification went nowhere with them and they have debited my checking account twice adding insufficient fees to my account. 
They have called me and they just do n't listen. I have every in tention of paying them back but will never do business with this firm again.In my opinion these payday loans should be illegal. 

Company response: Company believes the complaint is the result of a misunderstanding