AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX POSTED AN ACCOUNT ON MY CREDIT REPORT AND I NEVER RECIEVED A LETTER OR A CALL REGARDING THE ISSUE. I HAD NO IDEA ABOUT THE ACCOUNT UNTIL AFTER THEY POSTED THE ACCOUNT ON MY CREDIT REPORT. I WAS NEVER LATE WITH THIS ACCOUNT AND I SUBMITTED A 45 DAY NOTICE OF MOVING OUT TO THE APARTMENT COMPLEX. NOW THAT I FILED THE DISPUTE ON MY CREDIT REPORT, XXXX RECIEVED MY PHONE NUMBER FROM THEM AND LEFT A VOICEMAIL STATING PERSONAL AND PRIVATE INFORMATION. THEY STATED IN THE VOICEMIAL REGARDING A DEBT WHICH VIOLATES MY PRIVACY. THE PHONE NUMBER THAT XXXX CALLED ME FROM IS XXXX. MY ISSUE IS WITH PRO COLLECT VIOLATING MY PRIVACY AND NOT PROVIDING DOCUMENTATION OF A DEBT WITHIN A TIMELY/ LEGAL MANNER. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: This complaint is in addition to my previous complaint, case # XXXX. We received a Notice of Final Judgment from LoanCare, informing us our property would be auctioned on XXXX XXXX, XXXX. LoanCare answered the prior complaint by stating they are no longer the holder of the promissory note or the servicer. They stated the note has been transferred and sold to XXXX XXXX. Furthermore, we were not served a Notice of Entry dtd XXXX/XXXX/XXXX as read in the court documents by XXXX law firm or by the referee, XXXX XXXX, thereby denying us our right of Due Process to Appeal or Answer to LoanCare 's allegations. We first recvd this Notice of Entry & Final Judgment on XXXX XXXX, XXXX via XXXX class mail. In my previous complaint, which you have on record, LoanCare answered by stating they are not the Servicer as of XXXX XXXX, XXXX. XXXX XXXX, who holds the Note and is the Assignment of Record is currently offering us loss mitigation resolutions, hence LoanCare is in violation of " dual-tracking ''. They are attempting to seize the property through illegal and unscrupulous acts. We find that LoanCare is in violation of 15 U.S. C1641 ( f ) ( 2 ) whereby servicers are under Federal obligation to disclose " true owner '' of the obligation. If LoanCare XXXX has sold the loan to XXXX XXXX, they why are they proceeding to foreclose on the property? LoanCare has not presented to us the original Note Affidavit of sell from XXXX XXXX to LoanCare, non-issuance of Commitment to Insure, non-issuance of Deed & Title Policy, non-issuance of Certificate of Release from orig. Title insurance, as we 've asked on numerous occasions. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have previously contacted US Bank in reference to monthly account maintenance fees. I learned that the minimum account balance to avoid the fee is {$1500.00}. Despite having this minimum balance, on XXXX/XXXX/2015 I was charged this fee. This is in addition to XXXX previous months where I was charged, and US Bank had to waive, this fee. In this circumstance US Bank has declined even after multiple attempts to credit this fee despite it being charged due to bank error. This is a predatory fee that is being charged in error and must be credited. 

The reason this account was left open with the balance was that US Bank sent me a promotional email titled " {$5.00} For XXXX ''. This is essentially where if I used my bank account for XXXX bill pay payments in the month of XXXX I would receive a {$5.00} account credit. I reviewed the fine print in the email and proceeded to schedule bill pays through US Bank 's website. I met all requirements that were laid out in the initial marketing email. I contacted US Bank on XXXX/XXXX/2015 to inquire why I have not received this {$5.00} promotional credit yet. In the reply, US Bank stated that there were additional requirements that I had not met. I went back to review the marketing literature again ( promotional email ) where no additional requirements were disclosed. This constitutes an unfair, abusive and predatory practice to enforce terms and conditions that were never provided to begin with. As all initial requirements were met the {$5.00} must be credited to my checking account. 

Company response: Company chooses not to provide a public response
Consumer complaint: USAA has sent me a check due to overpayment of escrow on my mortgage loan. I deposited the USAA check for XXXX and the check bounced/was an insufficient check and my bank charged me a fee of {$22.00} and now USAA has resent me a check for the {$21.00} but not the bounced check fee of {$22.00}. Please contact me concerning this transaction and refund my USAA account with the XXXX for the bounced check fee. I have attached a copy of the reissued check but USAA has not refunded my bounced check fee of {$22.00}. I notified USAA that I will be responding to the CFPB Consumer Financial Protection Bureau on this action immediately. Thank you. 


XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: today my bank account was garnished for entire amount in my account, it was XXXX, I called the debt collecting agency that took my money and was told I would not be able to talk with the person that was handling my case, that they would be gone until XXXX/XXXX/16. Then I was told that nothing could be done for me and that I should wait and call back on Friday. I do not believe this to be accurate but feel that calling them will get me no help. My hands are now tied and I have NO money or resources and I am a single mother of a XXXX year old and do not even have money to get her food or pay my rent ( which will cause eviction actions ). 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have contacted Transunion several times but they just wo n't fix this. My XXXX XXXX credit card that I pay on time each month is not showing ( card # ending XXXX ). 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I keep receiving calls from NCS Collections for an alleged payday loan that I do not owe. When I asked for the original creditor and documentation the caller refused to provide me with the request. I was then threatened with arrest and was told that I would be receiving a summons to appear in court. After conducting my own research it appears that this company has threatened consumers all across the country with these fraudulent payday loans and have violated the Fair Debit Collection Act on a daily basis. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: This company Spears Dewitt and Hall keep calling me about a debt I do not owe. They call me from several different numbers. They state the debt is from 2009 for an apartment complex. I asked them to send me information of this debt they say I owe from 7 years ago and they want send me any information. They keep calling everyday stating they need me to pay over the phone. I pulled my credit report several times over that 7yr time frame and that debt they say I owe was not listed. I needed them to stop calling me repeatedly. And making threaten statements to me about taking me to court or garnishing my wages. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I maintain a checking account and a savings account at Ally Bank. I keep a XXXX balance in the checking account and instead exclusively use my checking account with another financial institution, but I do keep money in my savings account at Ally. Yesterday I erroneously charged a {$58.00} transaction to my Ally checking account through XXXX, which the bank processed along with a {$25.00} overdraft fee. 

I complained to Ally Bank that I had not opted into overdraft services, and that I would have preferred that they deny the transaction. They refunded my fee, but informed me that there was no way to opt out of overdraft coverage. With the increasing prevalence of online-authorized ACH payments for specific services, e.g. XXXX, it seems seems to me that Ally should offer an opportunity to opt out of such one-time transfers as required by Regulation E ( 12 CFR 1005.17 ( b ) ). Such transactions are more similar to one-time debit or ATM transactions than they are to reoccurring bill pay or check payments, and so I strongly feel they should be subject to the opt out requirement as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America Home Loans is charging a {$6.00} surcharge for online payments, even though the payments are on time and not late. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The office at XXXX Hospital personally keyed in the credit card info and amount said to be charged, each time we were there. Because they did not put in the right amount they are holding me responsible. It would be one thing if it was a one time mistake, but they charged the same amount 3 times and then say I did n't pay all of it. The card was to be run for the full amount. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America posted a balance overnight after midnight and automatically charged me an over draft fee. Their policy is you have 24 hours to rectify the situation and they ripped me off. I contacted XXXX managers who XXXX told me normally the policy is to allow consumers 24 hours to put the funds in. They were both extremely rude and condescending. They ripped me off and then gave me an attitude. I want my overdraft fee returned. 

Company response: Company chooses not to provide a public response
Consumer complaint: Federal law, thru the credit card act of 2009, changes payment allocation and requires that credit card companies apply any additional payments ( minus the required minimum payment amount ) to the highest interest rate balance on my card. That is not happening! Bank of America and XXXX XXXX refuse to to apply additional payments to the balance with the highest interest. I keep referring to the Card Act and they wo n't change their practices saying they are meeting federal guidelines. I need to know what to do? I keep paying above the minimum payment and they keep applying most of it to the balance with the lower interest rate ( BOFA 9.99 % vs 24.99 % and XXXX 13.24 % vs 24.24 % ) 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX ( Credit Agency ) for XXXX XXXX XXXX ( Original Creditor ) removed a debt for {$2200.00} from my credit report on XXXX XXXX, XXXX by XXXX it was back on my reports I hired XXXX to assist in fixing my credit and getting things removed from my credit report on XXXX XXXX, XXXX in agreements with XXXX they removed the debt from my credit report and at some point from then and now it is back on all XXXX of the major credit reporting agencies ( at {$2400.00} & {$2400.00} ) and I was never notified by XXXX, XXXX nor XXXX why or that it had been put back on. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I currently am paying a private student loan with XXXX/Loan Science, previously XXXX XXXX XXXX, and was out of full-time employment for seven months. After multiple attempts, they were totally unwilling to not only adjust my payment at the very least, but they were also unwilling to allow a forbearance, or deferment. As a result I have not been able to make payments, and they are dinging my credit constantly, and calling my home and my step-fathers ( co-signer ) home all hours of the day. I looked at an overview of my payments and since 2013 out of {$5500.00} paid, only {$230.00} has gone to the principal, the rest to interest and fees, its really legalized robbery. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The Ohio Attorney General submitted correspondence to remove a State Lien from my credit repository accounts as they have been paid and released. The credit reporting agency has yet to successfully comply with this request after several letters from myself with attached documentation and from the Ohio Attorney General which held the lien. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have previously disputed these medical debt online with the credit reporting bureau 's and each time they continue to say the accounts are verified, but yet I never received anything and the debts would stay on my reports. Finally I sent Alliance Collection Agency a debt validation letter invoking my rights and utilizing the Texas XXXX XXXX. I specifically asked for XXXX XXXX info so that I know Alliance Collection is licensed to collect a debt in the state of Texas, I asked for some sort of a signed contact that authorizes Alliance Collection to collect this debt for the medical provider. I asked for a signed contact that was allegedly signed by me that I authorized the medical services. I asked for a number of things that I am entitled to under the Texas XXXX XXXX and I was ignored. When these debts originally happened years ago, I had an issue with identity theft and my brothers would take my personal ID and use it at their discretion. My brothers and I look a lot alike and that is why I find it absolutely important that I know these debts are mine and that I was not another victim of identity theft. I have had to deal with courts and police officers from the past because when my brothers would get in trouble, they would use my name and I would have to deal with it. Under Texas XXXX XXXX XXXX for debt validation I have had my rights as a Texas consumer violated and ignored. I sent Alliance Collection Agency a debt validation letter to confirm this debt is mine and they ignored my request. Under the current law,30 days should be enough time to validate such requests.And it has been well past the 30 day mark! I mailed the above named company I letter on XXXX/XXXX/15, they received and signed for the letter on XXXX/XXXX/15. They violated my request in 2 ways. 1, for ignoring my request, and 2, for continued attempt to collect on this debt by actively reporting to the XXXX major Credit Bureaus XXXX There is plenty of supporting case law to back this claim up, that actively reporting to the bureau 's is in deed a form of debt collection. I have not received any info from this collection agency to prove I owe this debt. I find it malicious, and I feel I have been taking advantage of by Alliance Collection Agency and I would like all accounts with Alliance Collection Agency removed and deleted from all XXXX credit bureau 's. I have uploaded supporting documents to help prove my case. In my supporting documents, you can see all the account numbers I referenced and that I needed debt validation.Thank you so much and I really hope the CFPB can see that alliance collection agency has taken advantage of my rights and the law. You are my last hope for resolving this matter and because of Alliance Collection Agency I have been in extreme anxiety and other forms of XXXX because of the grief they have caused me. I have tried so many times to handle this matter as an adult and take care of it responsibly but they have ignore my every request. Have a good day. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There 's a problem with my homeowner 's insurance. I purchased my home XX/XX/XXXX, and my insurance, through XXXX, was setup to be paid with an impound account through my mortgage. For some reason the mortgage company did not renew my insurance account and therefore it was canceled XX/XX/XXXX. When I went to refinance my home this year, the mortgage company saw that I did n't have insurance and added it to my account. The insurance they 've added is much more expensive than my original policy, and I do n't believe I should have to pay the added premium on the months they 're trying to back-bill me for. 

I 've reached out to the mortgage company and have not had success in getting their help. I have called atleast twenty times these last few weeks, and I have made no progress in getting this issue resolved - I 've called today four times, and I have been hung up on every time due to problems transferring, and one representative refused to to transfer me because there 's a balance on my account. 

The person I have been working with his XXXX from the insurance department. XXXX is supposedly a manager in the department. He told me that he would take on my trouble and get to the bottom of it. However, I 've been waiting for over a week for XXXX to call me back, and when I called back in to get a status I was told that there is currently no ticket open, documenting my trouble. 

I just need to get this resolved, so that my credit is n't damaged. I have a balance on my mortgage that I am ready to pay today, but I have to resolve this issue first as it has substantially increased my monthly mortgage cost. I am also in the process of obtaining my own homeowners insurance. 

Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX/XXXX/2015 Debit ***OVERDRAFT FEE $ XXXX $ XXXX Debit TRANSFER XXXX SAV-INTRNT XXXX INTERNET PAYMENT $ XXXX Debit TRANSFER XXXX CHK-INTRNT XXXX INTERNET PAYMENT $ XXXX POS XXXX # XXXX XXXX XXXX XXXX WV XXXX BB & T CHECK CARD PURCHASE-PIN XXXX XXXX Credit COUNTER DEPOSIT View $ XXXX Debit ONLINE XXXX XXXX XXXX XXXX BB & T ONLINE BILL PAYMENT {$50.00} $ XXXX XXXX , ''BB & T '' charged me OVERDRAFT FEE OF $ XXXX XXXX ... ... ... ( FOR {$72.00} ), WHEN I DEPOSITED A ''GOVERNMENT CHECK '' ... ... ( JUST LIKE A GET FROM THE US GOVERNMENT, EACH XXXX & XXXX, OF EACH MONTH ) ... ..THEY KNOW IT IS GOOD XXXX!! 
SO WHY DID THEY ONCE AGAIN CHARGE ME ''OVERDRAFT FEE ''? I JUST GOT THRU WINNING THE LAST ''OVERDRAFT FEE COMPLAINT '' ... ... ( BB & T..CASE # : XXXX ) ... .ON XXXX XXXX, 2015, ***FOR THE VERY SAME THING***PLEASE HAVE ''BB & T BANK '' ... ... .RETURN MY XXXX-DOLLARS FOR ''OVERDRAFTFEE '', THAT HAPPENED ON XXXX XXXX, 2015 ... XXXX ( ABOVE ). 

THANKS, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: contacted Aargon Agency after noticing a derogatory remark on my credit report. They said I owed a debt with XXXX XXXX XXXX in which I told them I had paid that and do have the receipt they asked me to fax it to them and I did not once but 4 times during this process I also contacted XXXX XXXX and asked them about this and they agreed that the debt had been paid. Aargon contacted me again and said that their investigation showed that I still owed the amount. I also contacted XXXX to have this removed from my credit report and after their investigation they also said that the aargon agency said this debt is owed.. Please help me get this figured out as it is effecting my credit. Thank you 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This item is reporting on my Trans Union credit report. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX ( XXXX ) XXXX I believe this item is a collection account for XXXX . I had a account with them back in the day to boost my credit history at the time. This account was paid in full and closet. The original account has been removed off my TransUnion report and now this collection item is reporting on my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted a request for PMI Waiver on XXXX XXXX, XXXX to Loan Care, LLC. I was told I would be contacted within 10 business days. I have followed up numerous times via email and phone calls to check on the status beginning XXXX XXXX, XXXX. When I spoke to them on XXXX XXXX, they said it would actually be 45 days, not 10 business days at the very least. I still have n't heard anything from them and when I just called they would not give me any new information. It 's clear that they are stalling to get as much PMI from me as possible. My loan was just transferred to Loan Care, LLC in XXXX. When the loan was sold from the original financing bank we were in the of getting PMI Waived. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been battling with Barclay Bank for almost a year, they have over-charged me on interest fees and late fees which are not valid. I can not seem to get anywhere with them and my balance never decreases. I have contacted them and I need immediate assistance with this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed a claim through XXXX through XXXX and claim number is XXXX and have not yet got flagship credit services off of my credit report I have spoke with flagship credit services and they said I have to file a claim through credit report. Anyways there was a XX/XX/XXXX XXXX XXXX I have let go back but it shows im 120 days last on a payment I have not had the car since XXXX and I am requesting that they remove it from my credit report because they ha e sold the car and have not contacted me since repossession I do n't know where yhe car is or how much it was sold for they have no right to report on my credit I am 120 days late so I request that flagship credit services be taken off of my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: hi, the date of bankruptcy is inaccurate on " '' EXPERIAN '' '' the accurate date is XX/XX/XXXX which is also reporting by XXXX and XXXX XXXX, so Experian needs to make the correction 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We have a short sale essentially completed for this property. Note has not been paid for 7+ years. Judicial foreclosure proceeding is well advanced. Borrower has no assets and is essentially judgment proof and strongly considering bankruptcy and has retained a bk attorney. The first lien has approved {$12000.00} for Real Time Resolutions as the second lien holder under the HAFA program, per program guidelines. We are not getting anywhere with the RTR contact person, and need a deficiency waiver and approval letter for the {$12000.00}. They are refusing to budge off of {$40000.00}. We do n't need all of this to be so difficult. We feel it is a breach of their commercial duty of good faith and fair dealing to demand more money than what the industry has routinely accepted for XXXX liens. Please help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been contacted multiple times via Phone and email during work hours after instructing many times to not call me during business hours. I have been contacted from XXXX through XXXX by this company who has no regard when people are working. I no longer have the car, have advised more than once that the car has been traded in, only to be harassed via email and constant calls through out the day by this horrible business. 

Company response: Company chooses not to provide a public response