AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: When I applied for Sallie Mae private loans I was assured over and over by their phone workers that I could make changes on my payments depending upon my finances. I currently pay {$750.00} a month to Sallie Mae and have been unsuccessful in getting them to change that. I made an official complaint through the CFPB about this and received a call from Sallie Mae offering to " work with me '' on my rate. They told me they were unable to change anything on my account because my cosigner and myself combined make enough income to pay my monthly fees. I am submitting a complaint because this was clearly far from transparent during the application process. Again, they assured me, based upon MY finances, not my cosigner 's, that I could make alterations in my payments. I was unable to make payments for XXXX months last year, and rather than put them on my cosigner, I was forced to go into forbearance, which ultimately led to an even higher monthly payment. 

My XXXX complaint is that my interest level is absurd, even having excellent credit. Half of my repayment is interest, and this, I feel, is exploitative. Sallie Mae can not carry on like this. I make regular on-time payments, and I demand a lower interest level. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I am contacting you about XXXX overdraft fees that were placed on my First National Back checking account. I contacted the costumer service department on XXXX XXXX about these fees and was told that someone will contact me about them. No one has contacted me at all. 
On XXXX XXXX 2015 my account balance was {$13.00}. I also deposited a check for {$15.00} on XXXX XXXX which was a XXXX so I knew it would not clear until the following XXXX. I spent {$8.00} with my debit card on XXXX XXXX at a XXXX gas station. The bank is telling my that the XXXX purchase overdrew my account because that purchase was pre authorized for {$20.00}, which I did n't have in my account so it overdrew. I did not spend {$20.00} I spent {$8.00} which I did have enough to cover. XXXX other transactions after that got overdraft charges put on them after this. 
This is not the XXXX time I have had problems with this bank. I filed a complaint a while back and the took off the fees. I am asking that the XXXX overdraft fees totaling {$110.00} be returned to my account. 

Thank You 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid a past due bill directly to XXXX who instead of applying the payment to the debt, passed the check on to their debt recovery agency Jefferson Capital Systems LLC. XXXX then claimed that my check (a cashier's check issued by XXXX Bank Bill Pay) was returned NSF. XXXX shows the check as being paid. Jefferson Capital Systems subsequently reported the debt as currently due over XXXX months after payment was made, driving my credit score down dramatically. Neither party will acknowledge responsibility for the error and I have not been credited with the nearly $XXXX payment that was made to XXXX. I have been told that the credit agency has XXXX days to respond to my complaint.
Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This debt is not known to me. I recently requested my XXXX Credit reports to access my credit history in order to establish why my attempts to acquire credit results in a denial. I have always made it a duty to diligently address any issues before it became a collection and have not opened any new accounts in the past ( XXXX ) years. I request full validation from the crediting or reporting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My card was used fraudulently. I was able to get the vendor to credit the account within a short time but not in the same payment period. But Bankamericard charged me late fees and interest and has now closed my account. Do n't they have some responsibility for fraudulent charges? I do n't care about the closed account but they have no doubt reported me to the credit bureaus. They should credit my account XXXX for the late fees and interest and wipe credit history clean. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mother recently passed away and I was taking care of all her finances for the last XXXX years including the credit card. It was a dividend card. I paid the XXXX statement in full as all other statements and asked for the dividend XXXX check to be sent to her estate. They said no. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted Select Portfolio LLC ( who have held my original mortgage for 9 years ) to try and refinance through the HARP LOAN process. This request was to be completed within 3 months. I am a XXXX and had some trouble keeping a " stable '' job for a little over 2 years. During this time, Select Portfolio lowered my payments ( to {$820.00} ) while I was pursuing a career in XXXX and XXXX at XXXX College and XXXX College ( XXXX ). After completing the schools, Select Portfolio resumed my original note payment of {$1500.00} per month. I also have a {$190.00} per month HOA payment. I can not make these payments ( even though I rent to XXXX person for {$400.00} per month ). I now have a ''stable '' job ( also Oil Royalties averaging {$600.00} per month ) and know I could make loan payments of {$1000.00} per month plus my HOA payment. I have been making {$1500.00} payments for the last 9 months at the original rate of 8.3 %. Select Portfolio has stated over the telephone to me and my accountant that the information requested would complete the loan application and that they could let us know within 5 business days of theoutcome of the HARP loan applied for. They requested more information after making these statements XXXX different times. The continual lack of honest communication concerning my loan has affected my mental health. Select Portfolio also calls and uses abusive techniques concerning my monthly payments. I have withheld my XX/XX/XXXX payment because of the handling of my HARP loan. My credit score is poor and I do not know why they continue asking for more current information and processing this loan if, in fact, I do n't qualify. This continued pursuit of this loan is showing a complete lack of good faith. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I do not owe this debt. I joined a fitness club because i did not have to commit to a contract. I ceased using the services and paid the outstanding balance when i notified the club that I would no longer be using the service. It strikes the wrong cord when this creditor is reporting a balance owing when I had no contract with them. I request full validation from this company or the reporting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This complaint is being filed against Stellar Recovery in regards to the above reference account that Stellar Recovery Inc. Has illegally reported and listed on all XXXX major credit reporting agencies ( XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Stellar Recovery Inc. for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had been using my bank of america banking application along side the banks automated teller system to ensure that I was not using any funds that would make my account overdrawn. As of yesterday, when I had all but on pending transaction on my account, it read that there was {$20.00} in my account available, I checked the automated system and it told me the same information. Now, today I found that I have been overdrawn on the account. The bank even recinded the overdraft fees because they said it was a bank error, when I asked for the {$20.00} I would have had in my account back they said that I could file a fraud claim to get the money back. I then reminded them that I did state I made the charge and I would not be filing as that would have been fraudulent. The manager said that would be the only way to get the money back, which was really upsetting to hear the only way to get my own money back would be to do something illegal.Their system constantly tells me I have available funds, and I can not use the card for weeks and it will then change the amount available ( no newly posted charges will show either to explain those charges ) their fraud dept STILL has n't sent me any paperwork I needed for a fraudulent charge. I am very saddened by the fact that this bank constantly admits that their system is messing with our money, but refuses to do anything about it or to make things right for their customers as a whole. Especially since this would definitely be considered fraudulent activity. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXXCard # : XXXX XXXXHello, My name is XXXX XXXX and I am writing as a very disgruntled card holder of your bank. 
On or about XXXX XXXX. 2015, I submitted through my Online Bill payment system, a payment in the amount f : {$67.00}. This check was apparently sent to your bank and received, and cashed on XXXX XXXX, 2015. But the funds never made their way to my Credit Card account as a payment received. 
I am not satisfied with this action, because your bank played a role in proactively making sure my payment was late and never posted. I had to send in additional funds to cover the minimum balance due at that time. As a customer with ALL XXXX Credit Cards that your bank offers, this really makes me think in a negative light about the actions and day to day activities at your bank. 
Not only could you look up my name and address on the front of the check - it even lists my credit card account number. Yet, the money still has not been posted to my XXXX XXXX account. 
The actions of your company has caused such a strain between me and the customer service team at my bank. You also caused continuous stress on me and your own customer service agents due to the fact that I CONTINUALLY CALLED AND AGITATED YOUR AGENTS ABOUT A PAYMENT THAT THEY TOLD ME I DID NOT MAKE. I know I am not mentally ill and I have the proof of such a payment. 
I 'm not sure who you have working for your company in accounts receivable, but they should to be replaced ASAP! Where is the money? 
I demand to be financially compensated for this shoddy error on your behalf. I would like the payment of : {$67.00} credited to my XXXX XXXX XXXX account immediately. I also would like an additional adjustment/credit made to my account for the exact amount of : {$67.00}, or I am requesting a Credit Limit Increase made to all of my XXXX/First National bank accounts immediately. 

Thank you, XXXX XXXX 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: On XXXX XXXX, 2015, I found Enhanced Recovery listed on my credit report ( XXXX and XXXX Account Number per Credit Report : XXXX ). I have never been contacted by them, never received a dunning letter stating I had XXXX days to dispute ... nothing. I just found them on my credit reports. I immediately sent them a DV letter. It was mailed on XXXX XXXX, 2015 and received XXXX XXXX, 2015. ( Tracking number via XXXX XXXX, mailed to ENHANCED RECOVERY XXXX XXXX XXXX, FL XXXX ). On XXXX XXXX, I get an alert that Enhance was posted to my XXXX report. That right there, posting an account to a credit report while in dispute and not showing proof, is a violation. On XXXX XXXX, I disputed it with all XXXX CRA 's. Within XXXX hours, Enhanced verified the account with all XXXX CRA 's. Still till this day, XXXX XXXX, 2015, Enhanced has ignored my DV and has not responded to my DV but they continue to verify with all XXXX CRA 's. Huge violation! Enhanced has violated the FDCPA section 809. I want this account immediately removed from all CRA 's. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I applied for home modification back in XX/XX/XXXX and was approved for XXXX years and after XXXX years Bank of America sent me a letter stating the modification was denied due to lack of the co-borrowers signature. I have applied several times since then. This last submit of a modification it was sent to a upper level because it had been over XXXX days for a response. XX/XX/XXXX, a different case manager called and stated the case manager told me the wrong thing and I had to reapply again. This has been going on since XX/XX/XXXX and I 'm exhausted and look like I will lose my home because Bank of America does n't communicate with each other. Loan # XXXX ... Please help I 'm trying so hard not to lose my home and I 've worked very hard to believe in the mortgage system and the judicial system. Thanks in advance. 

Company response: Company chooses not to provide a public response
Consumer complaint: I spoke with a woman named " XXXX '' at a company she told me was called XXXX, and that I owed a debt to XXXX for a breach of contract for {$730.00}. She claimed I needed to either make a restitution payment on my alleged debt today, or I would be immediately served with a court notice. She absolutely refused to provide me with any paperwork or proof that I owe the alleged sum. She said that would be provided when I went to court. I asked for some additional time to make the decision so I could consult my attorney. She refused. She said they were n't a collection agency, but a mediation firm and if I did not make the restitution payment, I was automatically selecting to go to court, which could result in paying higher fees. For the entire call, she took an incredibly disrespectful, condescending tone. I asked her for information that she refused to provide. I begged her to transfer me to someone who could be civil and respectful. I asked her REPEATEDLY to transfer me and she said " the outcome will be the same '' - I told her I did n't care, I just wanted someone who could be respectful. I asked her several times to stop being rude, and she denied that she was, and she referred several times to the fact that I was crying. When I asked for the final time to transfer me to another person, she said " hold on, let me tell them I have a crier on the phone. '' I was placed on hold. Her parting words before transferring me were, " good luck in court, XXXX XXXX XXXX. " Come to find out, after the initial restitution payment was made and I received the receipt via e-mail, the company is NOT called " XXXX '' but American Credit Resolution , Inc. So she misrepresented where she was calling from, and probably her name as well. She refused to provide me with a last name. She said she was the only XXXX there. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Re : Loan # XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
For over 3 years Wells Fargo and its employees have denied our request for Loan Modification for a Bait and Switch Loan Modification provided to us on or about XXXX 2009 by underwrite XXXX XXXX. 
See attached word Doc Complaint: 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt is not known ; I have never owed a balance to this company. My account is still active with this company, never past due which is strange since an account with them is reporting negatively on my credit file. 
I request full statement of this account and any information pertining to the contract ; when opened and where. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I went to https : //XXXX, entered my information, and requested my free annual credit report from Experian. 

I got this message : " We were unable to honor your request. If you entered your credit card information, we did not charge you. 

Sending us your information To receive your personal credit report by mail, please mail us this letter ( or the information in it ), along with " ... 

Then I went to the " Contact Us '' form on the annualcreditreport.com site and tried to report the problem, but the site refused to accept my form. The error was " Tell us more is invalid. Please try again. '' but it provided no information about why the information I had entered under " Tell us more '' was invalid or how to correct it. 

The appearance to me is that Experian is trying to avoid its legal obligation to provide a free annual credit report by making it so difficult that most people will just give up. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have still yet to receive actual proof of my signed authorization yet this agency advised your company they would obtain and supply. How can a company state a debt is owed without proper validation? a computer print out is not validation a normal consumer ca n't even understand. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: While searching for a Mortgage Lender to re-finance my home at lower interest rate and for XXXX years vs XXXX years, this company offered the best deal. They initially offered a 3 % fixed mortgage w/ no closing costs and a credit of {$400.00}. I was requesting a subordination of an equity line of credit and was advised that we could not lock in on the rate until the subordination was approved. As the process went on w/ normal delays, the rate went up slightly. I had already paid {$400.00} for an appraisal fee. When we were getting ready to finalized the process my mortgage banker told me that they would not be able to offer the " no closing costs '' option and said in order to continue I would have to pay approximately {$4000.00} in closing costs. At this point I decided to discontinue the process and go elsewhere. I can understand the rates going up but the offer of no closing costs took me by surprise and upset me. I went back to my current lender and they offered me a lower rate and closing cost option. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is a complaint against US Bank for operational practices preventing customers to set up automatic payment withdrawal resulting in late fees to customers for additional fee income to US Bank. US Bank does not process the form and send an incorrect version of the Authorization of Automatic Payment form which is rejected once finally processed. This apparent intentional operational inefficiency has cause me late fees near {$220.00} despite proactive attempts to pay my lease payment. US Bank 's call center supporting leasing client is systematically set up to send customer the incorrect form. I sent in at minimum XXXX completed forms to their provided XXXX XXXX XXXX XXXX WI. On my lucky XXXX time where the form was finally processed, it was rejected for being the " wrong form. '' The " correct form '' asks for exactly the same information as the " wrong form. '' The only difference is the creative layout and basic title copy. This nefarious operational practice creates additional fee income for US Bank. XXXX Banks call center reps and supervisors were unwilling to name their regulatory body. They also will not remove any late charge fees unless by bank error. A clear case for removing my errors was escalated up to Assistant XXXX XXXX XXXX with no action taken. This is a clear unprofessional if not illegal business practice forcing late fees from great customers. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchase XXXX variable load prepaid VISA gift cards ( issued by US Bank ) from XXXX grocery store, with {$500.00} loaded on each. Before I even had a chance to use any of the prepaid {$500.00} gift cards, I discovered that small charges to The Gap had been run on all XXXX cards, and that XXXX cards had the remaining balance charged at XXXX. Upon logging on to the www.mygifcardsite.com to see each card 's transaction history, I discovered that all XXXX gift cards were already registered to some other person and that charges had been run on all XXXX cards. I called the phone number on the back of the card and reported this fraudulent behavior. The Cust Svc Rep indicated that since charges had already been run on the cards, they could block the cards and that I would have to FAX information - including name, address, contact phone number, card nr, CCV nr, Exp date, and copies of the cards, front and back, along with the purchase and activation receipts to the Lost/Stolen Replacement card FAX number and also to the DISPUTES FAX number. The Cust Svc Rep indicated that since charges had been run US Bank could not just simply replace the card with the {$500.00} purchase balances until there is Dispute Resolution for the fraudulent charges - which can take up to 60-90 days. I believe this is quite a long time to wait for replacement cards with the full {$500.00} each value after I was victimized for fraud. The Cust Svc Rep indicated that they get many calls like this - so it appears that the bank is aware of this type of fraudulent activity with their variable load VISA gift cards. 

Company response: Company chooses not to provide a public response
Consumer complaint: The credit reporting agency 's keep putting my son 's debts on my credit report. Our name is the same except for the middle initial. That does not seem to make any difference to the reporting agencies. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells fargo never gives a current statement that makes since. Then charges me outrageous overdraft fees. Even if I do have money to cover it in my accout. Over the past year I believe I have paid over {$250.00} in unjust fees thar they use confusing word play to make it seem to be my fault. 

Company response: Company chooses not to provide a public response