AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I disputed XXXX tax liens placed by the Idaho XXXX XXXX XXXX for taxes that I did not owe. This is damaging my credit tremendously. I should not have to pay the price for the Idaho XXXX XXXX XXXX overly aggressive and abusive actions. Transunions investigation left the items as accurate. 

Company response: Company chooses not to provide a public response
Consumer complaint: Drive Time is harassing me by phone. I have received XXXX phone calls in 30 days, from XXXX different numbers in NC, AZ, and GA. I have blocked the number in GA but they continue to call me daily. I have notified Drive Time that this number is blocked. 

When I do n't answer the GA phone number, they then call me from AZ or NC, or both. I have asked Drive Time to stop calling me daily. I have asked Drive Time not to contact me more than once per week, but they continue to call me daily. Yesterday I spoke to a Drive Time customer service agent at XXXX and they called me again at XXXX to discuss the same issue. Again, I asked them to stop calling me and the agent claimed they did not call me more than once, which is a LIE. 

I have asked Drive Time twice this week to stop calling me so often but they continue to call me daily. I also have cosigned on a loan for my sister who lives with me. They call her and when she does n't answer they then call me. Literally her phone rings, then my phone rings. They do n't leave her a message but will leave one on my phone. 

I have received nasty messages from several agents at the GA office and when I return their calls I am told they are out of the office or they are not working until later in the day, even though they just called a few minutes before and left a message. XXXX, XXXX, XXXX, XXXX ( or XXXX ), XXXX, XXXX are constantly calling me and leaving messages saying that it is urgent they speak to me immediately. When I do n't return their phone calls they then send me emails. 

I have received XXXX phone calls in 30 days. I have complained several times about rude agents and rude voice mails. I have complained about the number of phone calls. I have told Drive Time their amount of contact is harassing, and disruptive. I have asked Drive Time to stop contacting me daily, but the phone calls and emails continue. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been making payments on my home mortgage for 15 years and never been late on a payment. When a balloon payment came due, the current service provider told me that I would have to pay the amount in full, or they would foreclose on my home. I could not obtain the large amount of money needed to pay the loan, so I sought to refinance. Select Portfolio Services ( the service provider ) told me they could not refinance the property, that the only option I had was to pay it in full or default and lose my home. 
I finally found a company that would refinance for me, and began to ask SPS to provide me certain documentation in order to complete the process. It has taken over three months at this time, and it still is in process. The mortgage changed providers numerous times, and along the way it changed from XXXX as the lien holder to XXXX who apparently owns the lien. When I finally got to the point where we could close, the title company obtained a copy of the title on the home, and it showed XXXX as the lien holder. Since all the supporting documentation showed that SPS was servicing the loan for XXXX, the title company asked that SPS provide a document showing that the lien changed hands from XXXX to XXXX, but SPS refuses to do this. I 'm suspecting that there may be no proof of who owns the loan, since SPS can not provide me with any documentation of this simple fact. I called XXXX and they said they had no records of the loan. I called XXXX and they also told me that there was nothing in their records. SPS insists that they have to say that because SPS is the service provider, and only they can divulge information. I should have been able to close on this months ago, and because they will not assist me, I am now behind in XXXX payments and it will soon begin to affect my excellent credit rating. My mother ( who dwells in the home ) receives almost daily calls from SPS asking for payment and threatening to evict her if payments are n't submitted. She obviously is very upset about this, always in tears and being an elderly woman with serious health problems, this is stress that threatens her well being. I just want to close on my refinance, payoff this mortgage and cut all ties with this company. Can they legally prevent me from moving forward by not supplying the necessary documentation? Are n't I entitled to this information? What can I do to hold them accountable? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: About 3 times a week for the past several weeks I have been receiving calls from different numbers that all claim to be Premier Portfolio Group. I never answer the call and the voice message is always the same pre-recorded message saying that I need to call them back regarding a bad check that was cashed in my name. It is an obvious scam as none of my financial records indicate any such transaction. I called XXXX the numbers and spoke to a female. I demanded that they remove from phone number from their list and not to call me ever again. Not 30 minutes later I received a call ( always from a different number with a different area code ) and the message left was the exact same one I 've been receiving this entire time from " Premier Portfolio Group. '' 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Today I received a call from a company in Ohio that processes payments for a company that sells drones. The man who called said he wanted to verify I had authorized {$3000.00} in purchases for drones to my credit card issued by Barclays Bank Delaware. I had not. When I logged onto my Barclay card account to see if the charges were there, I saw XXXX temporary charges for {$1500.00} each to XXXX. I immediately attempted to contact Barclays. After being on hold for more than 5 minutes, a representative finally comes on the line and says quickly " We are currently updating our system. Please call back in 24-36 hours '' and then HANGS UP! I thought there must have been a mistake so I called back. THREE MORE TIMES. The same thing happens every time. So now, not only is my identity compromised and my credit card being used fraudulently, but I ca n't even talk with someone at the credit card company to find out why they did n't put a stop to the charge ( On XXXX XXXX, 2015 they refused to allow me to charge {$130.00} XXXX until I spoke with their fraud department ) as suspicious and what I 'm supposed to do about it. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX keeps calling here for the person who previously had this number. I have told them several times to stop calling ( on the phone and sent emails to the company through their website ), the person they want is not here, and they can research to find her new phone number on the internet and then call her like I did. 

They wo n't stop. Can you do anything to help. I 'm sick of this and my next step is to get an attorney to file a cease and desist claim with a lawsuit for harassment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am only allowed to have mobile access to my accounts with USAA. I am not allowed to have the access to the member benefits of a USAA member because I have a Charge Off Foreclosure. I requested XXXX modifications with them prior to and after my retirement from the military. They told me that I make to much and am not behind so I do not qualify for modification. Then after retirement I filed for modification and they told me I was not delinquent so I went delinquent on my payments and then refiled modification and was told I do not make enough money and I was delinquent on my account and do not qualify for modification. Now after auction, foreclosure and charge off 5 years after the fact there is no set time frame for them to punish me and not allow me the privilege and benefits of membership that others get. I was told today that they do not have a set time frame in writing. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My husband and I have had a BoA account together for over 10 years. A few years ago I noticed an automatic debit from our account of {$150.00} that was not associated with any company and I feared a fraudulent transaction so I called the fraud line and the associate was as surprised as I was because there were no transactions details. She agreed to investigate. A day later we were informed that it was a BoA charge and they indicated that this charge was for a safety deposit box that my husband and his former spouse had together 20 years ago in another state. We were also informed that the debt would continue to accrue unless we flew back to XXXX ( we now live in XXXX ) and paid to have the box drilled to the tune of {$170.00} and emptied ( former spouse had both keys and had agreed verbally to empty and close the box which was not done ). 
BoA was unable to collect from his former spouse because she was now with another bank. Apparently during an audit BoA discovered that my husband now again held a BoA account so they debited our joint account - without any notice, identification or information re : the reason for the charge that was actually owned by my husband and his former spouse. After all even the bank technician was mystified by the debit and to investigate. All total we were changed {$320.00}. I can actually understand the drilling fee. But I can not understand the legality of charging our joint account-under the cloak of darkness- especially when this charge is ultimately shared by me, an innocent party. My question : was this legal? Was it proper? Is my husband jointly and severally liable for that prior debt and by default so am I because I share a new account with him at BoA? If so, can a bank just randomly charge our jointly held account for debt owed by my husband and his former spouse just because they have access to our account and can do so without notice at all? Thank you for your assistance. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15, I received multiple call from a XXXX XXXX representing Evan and Associates telephone numbers XXXX and XXXX. XXXX XXXX requested that I verify the last XXXX digits of my social and dated of birth. Due to the increase in fraud, I requested the full name of the company and the address. She provided the name Evan and Associates but refused on multiple occasions to provide and address and corporate number in order verify it was a true company. She stated that the call was being recorded on a federally recorded line and that she would notate my refusal to pay. I advised her I was not refusing anything ; I wanted verification of the companies ' existence. 

On XXXX/XXXX/15, I received a second call from XXXX XXXX who informed me that this was my last opportunity to resolve the matter before I would be subpoenaed at my place of employment. She again refused to verify any of the company information and I refused to verify if the information she had was mine. She then stated I would be served at work, to make sure I had XXXX forms of ID and a witness for my signature. 

Within XXXX minute my brother contacted me and stated that an Investigator named XXXX XXXX contacted him and that they were attempting to contact me for committing fraud. I contacted the number at XXXX and was transferred to a Fraud division, and spoke to XXXX. She again advised that this was my last opportunity to resolve the matter or I would be served and she can only place a temporary stop order for XXXX hour. 

Again, I asked for the full company name and address ; she advised it was Evans and Associates at XXXX XXXX XXXX, FL but would not repeat the Suite number. She was very rude and spoke quickly. 

During my conversation with XXXX, she kept making contact with a man named XXXX, stating he can proceed with serving me at work, gave him my full name and additional personal information. She then stated the documents were filed with the XXXX XXXX XXXX XXXX. That my license was suspended for fraud and that charges were being brought against me. She provided my tag number and me with the type of vehicle I drove and stated that it would be all suspended and I would be driving with a suspended license and vehicle tag. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I am filling this complaint because Experian has ignored my request to provide me with any documents that their company has on file that was used to verify the accounts I disputed. Since they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank You. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had my bank card stolen and my account was overdrawn. Consequently, my account was flagged and reported as supected fraud XXXX. Please advise. 

Company response: Company chooses not to provide a public response
Consumer complaint: Advance America contracted a company to collect this debt. The company called my wife 's phone 5 times in a row, and then called my employer repeatedly as well. My wife called back, and she was told they would be arresting me. My wife was anxious and in tears. I called back and spoke with XXXX. XXXX was verbally abusive, and swore at me. I mentioned his tactics being a violation to FDCPA and that I would file a complaint with CFPB. XXXX said to shove the FDCPA up my XXXX, and he 'll file it for me. He called from XXXX, and told me to go to Advance America and pay now, or my XXXX was going to jail. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I had a bill come out early by two days and they overdrafted XXXX items in one day starting at a XXXX dollar purchase. I am now in XXXX $ in over draft charges when my purchases were not even a {$100.00} total. Refused to refund any of the charges. 

Company response: Company chooses not to provide a public response
Consumer complaint: On Sunday XX/XX/XXXX I purchased a bunch of {$200.00} mastercard gift cards at XXXX. When I tried to use them on XX/XX/XXXX, XXXX of them had been hacked. This is absolutely negligence on the part of US Bank. They know how easily their cards are to hack and this is not the first time this has happened to me. When you try to file a claim with them, they put the whole onus on you to prove that you didnt make the charge. I 've even figured out how they are being hacked and have offered to explain this to the bank but they do n't care. I should n't have to wait months for US Bank to repay me. Please help me ( the consumer ) not get taken advantage of by these banks! 

Company response: Company chooses not to provide a public response
Consumer complaint: I signed up for a financing office through XXXX, serviced through Barclaycard US and the user agreement and deferred interest was not clearly explained or stated as I was mislead to think that it was an non interest incurring financing period, not a deferred period. I would have never signed up for the promotion had I known it was deferred. I was charged {$490.00} of interest on a product that I did n't think would be accruing interest until the no interest period ended. I do n't feel as though I should be responsible for this mislead charge. Their claim is that this is stated on my paper billing, but I get paperless statements and its not reflected there. 

Company response: Company chooses not to provide a public response
Consumer complaint: I obtained a credit card from US airways that became a Barclay card. There was an associated member fee that I did not pay due to the fact the card name was changed from us airways to Barclay and i did not realized the fact until late. the account was closed. I wanted to pay them whatever was due at the time of the account closure but they refused and keep adding an exorbitant fee each month on an closed account. I need you to help me find a fair solution to XXXX parties. I want to pay what the money for the annual fee but I do not want either to fall victim of extorsion. I believe the fee should be around one hundred dollars but now they want {$270.00} by early XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: An unauthorized charge appeared in my account. I disputed the unauthorized charge and the bank told me that it will take 60 days to complete it 's investigation, but has not credited my account. I contacted them after 2 weeks past and asked why they have not issued a provisional credit yet and they told me they do not issue provisional credits, that I would have to wait until their investigation is complete. 

Company response: Company chooses not to provide a public response
Consumer complaint: their score has n't changed from XXXX for six months, competing credit companies scores are as follows and they change ever month XXXX XXXX, XXXX XXXXXXXX XXXXThey say they use XXXX XXXX but nothing ever changes. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an FHA mortgage with SPS Servicing. I went through a trial modification and was offered a modification that was not acceptable. I have asked for alternative foreclosure prevention that they outlined in their correspondence to me. When I asked about it they said they would not work with me on any of the alternatives. They failed to follow FHA guidelines while foreclosing as they have not offered to meet with me face to face to discuss my modification or alternative foreclosure prevention. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Over the last several years, I have been getting repeated phone calls from Ally Financial regarding debt owed by a person with the same last name as me, and whose wife has the same first name as mine. On each call, I have explained that I am not the debt holder and asked Ally Financial to stop calling me. I have been unsuccessful in getting them to stop. The most recent occurance took place XX/XX/XXXX 2015, when they called and hung up. I called them back to learn it was the collection service. I asked to speak to a manager at that time and explained the situation. She assured me it would stop. I recieved another call less then 24 hours later on XXXX XXXX, 2015. Again, the caller hung up when I answered. I called back and spoke to the same manager again, who again assured me it would not happen again. When I inquired as to how they even got my number, she explained that they have a " tool '' that they use to find possible relatives to debt holders. I explained to her that I have repeatedly told them that I do not know the debt holder in any way and should not be linked to them. As I result of their actions, we have had to take out identity theft insurance for the last several years, and have had some complications with my wife 's credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am currently a part-time student and full-time employee of the University of XXXX in XXXX, XXXX After graduating from college with a XXXX in XXXX of 2008, the economy collapsed and I could not find work in my desired field, I had to take whatever job I could find. Eventually I went back to school to get a more 'practical ' or 'useful ' degree- which I am pursuing now. My in-school deferment/forbearance time limit is up and I have not graduated and I am not making enough money to make the minimum payments of {$440.00} Wells Fargo is now also pursuing my Mother, the co-signer, for payment. She is the only XXXX working in her household as my Father was laid off and has been for quite some time. She and I together offered {$75.00} per month as a payment we could afford because we all live paycheck to paycheck. This good faith payment was not good enough for Wells Fargo and they are refusing to go lower than {$310.00} per month. I tried everything I could- offering that I could make the larger payments once my car was paid off, asking about consolidation ( not available because I am not current on the debt ), filing for more reasonable payments, requesting an extension of the loan repayment term, and anything else I could think of- but, I was told there were no options : I must make the payments or my balance will become due and then turned over to collection agencies. I need help and I do n't know where to turn to. 

Company response: Company chooses not to provide a public response
Consumer complaint: I HAVE A ALLY BANK ACCOUNT DID A DEPOSIT IN THE SAVING ACCOUNT .I HAVE A CHECHING ACCOUNT TO. THEY PUT THE MONEY IN THE ACCOUNT NEXT DAY BUT PUT A HOLD ONTHE FUNDS TO MONDAY I WAITING UP TO TRANSFER THE XXXX TO CHECKING AT XXXX DID NOT HAPPEN LIKE IT SHOULD THEY ARE IN PA SO IT WOULD HAVE BEEN XXXX AZ TIME .THEN INSTEAD OF PULLING THE XXXX FROM THE SAVING THEY PAIDED AND GAVE ME A XXXX OVERDRAFT FEE. I CALL IN TO GET THE FEE REMOVED AND PAY THE XXXX THEY TURNED IT DOWN. I WAS GOING TO CLOSE THE ACCOUNT. SO I DONT HAVE ALLY BANK PROBEMS THEY PUT HOLDS ON FUNDS TO MAKE MONEY OFF IT SO I CANT GET MY MONEY. I CALLED ALLY WAS TOLD BY CUSTMER SERVICE AS LONG AS I DONT HAVE XXXX TRANS ON SAVING I WOULD NOT BE CHARGED FOR COVING THE XXXX DOLLLARS FROM THE SAVING. MONDAY THE XXXX WAS THIER SO I PULLED IT TO MY ORTHER ACCOUNT KNOW TUESDAY THEY PUT A BLOCK ON THE ACCOUNT SO I CANT GET THE MONEY.AD THE TRAS I PUT THOUGHT WITH MY ORTHER BANK WILL OVER DRALL THE ACCOUNTAGAIN AND GET A NEW XXXX FEE. I REPORTED TO OCC CASE # XXXX AND THEY SENT TO FDIC CASE # XXXX THEY SAID TO REPORT THIS TO YOU THEY DONT KNOW WHAT OFFICE CONTROLLS ALLY BANK! 

Company response: Company chooses not to provide a public response