AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Pioneer Credit Recovery has contacted several of my co-workers, including my supervisor asking questions about me, and they have contacted these people more than one time on their cell phones. I contacted XXXX XXXX at Pioneer and demanded that they stop harassing these people, but they continue to do so at the peril of me losing my job because of it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a Citi Mastercard Platinum and before that another name that was fixed 9.9 % when I called them about another issue the man encouraged me to switch to another type of Citi Master Card that offered restaurant etc advantages, a sales pitch ;, to obtain a Diamond preferred Mastercard, keeping the same number. What he failed to disclose was that by taking this offer I lost my fixed rate to a variable rate. I want my 9.9 % fixed rate back. They also changed the amount of time i was a member with them. These things affect me in that our USA and global economys could go bad at anytime and as a variable rate a credit card company can request market rate which could be exhorbiant. I am worried about them being able to change the rate on me at will. Also, and/or that any of this could effect my credit rating which is extremely good. Please help me get my fixed 9.9 % rate back. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a XXXX and XXXX mortgage with Bank of America - they are Interest only balloon loans. The first expires this month - I have been working with BofA to get a new loan - which they said I have to go through a complete refinance with an appraisal. They set up the appraisal ( using a BofA company for this ) and charged me {$460.00} for the appraisal. The appraisal came back to low according to them so they had me contact an RE agent for comps in the neighborhood that reflected a higher price. I thought they could do that - but I did and he sent those in. Well no response from them so I requested an update and was told the value stayed where it was and the loan declined. 

I have good credit - not missed a payment in the entire life of the loan - 10 years - and am declined so they can charge me a higher interest rate for the exact loan they say I am not qualified to get ... .Oh and the extra money for their appraisal. 

I do not see any good faith or good consumer focus in any of this. 

Company response: Company chooses not to provide a public response
Consumer complaint: A gentleman by the name of XXXX XXXX is calling me, my wife, my parents, my wife 's parent, and my friends and telling them I have a court judgement against me and that he was sending a law official over to issue a citation for arrest. He calls non-stop and provides this information. I called the courts and they do not have a number that he keeps giving and they do not have any record of him. Please help. I have kept a recording of what he says on my phone. 

XXXX XXXX # XXXX 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: On XXXX XXXX 2015 I received a settlement offer letter from XXXX XXXX in regards to my car loan debt. I reached a settlement offer and they emailed me a settlement letter to be paid by XXXX XXXX. I called them on XXXX XXXX, 2015 and paid the full settlement offer with my debit card and it cleared my bank. Then on XXXX XXXX, 2015 I received another email from XXXX XXXX acknowledging that my settlement was paid in full and they would be reporting to the credit bureaus. By XXXX XXXX, 2015 my credit report was hit by XXXX XXXX showing the my debt was " Closed '' and " Paid ''. On XXXX XXXX, 2015 I received a phone call from a third party debt collector named XXXX XXXX XXXX stating that XXXX XXXX sold my debt to them and they were trying to collect my old settled out account. XXXX XXXX XXXX did not show I had made any payment. I forwarded on my settlement offer and paid in full letter I received from XXXX to prove that I had in fact paid and settled out that account a month before they even sold it off. I then called XXXX XXXX to clear this up. The rep with XXXX did show on my account it had been paid and closed in full and they do n't know what happened and why it got sold after the fact. They said they would get it taken care of. Then today, XXXX XXXX, 2015 XXXX XXXX XXXX calls me back trying to collect the debt once again. I explain my situation again and they then acknowledge they received my emailed letters showing I made a payment and that they did try to reach out to XXXX XXXX about my account and they still had not heard back from XXXX I then called XXXX again on XXXX XXXX, 2015 to double check on my account status and to let them know I am still getting calls from their third party company they sold my account to. They advised me again that they were going to get this taken care of and would reach out to the third party collector in regards to my account. They again verified that yes my account was settled and paid in full and this Third Party collector should not be trying to collect from me. I am filling out this complaint because after going through all the legal and proper steps to reach a settlement, pay off settlement, and my credit report being hit for closed and paid status shows how XXXX has not abided under the Fair Debt Collection Practices Act. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had fraud on my card. I notified the bank immediately. The bank cleared all the fraud charges. After my card with fraud on it was frozen I received a valid credit onto my card from a vendor. I contacted the bank within days that the credit was valid and should be transferred to my new valid card. On approx day 5 I was told the credit was erroneously applied to the closed card and would be fixed within 30 days. I called back 3 weeks later and was told the fix had not been completed and that the " IT '' fix to move my money was not done yet. Finally after 30 days nothing was posted to my new account. I called back approximately on day 37 and at this juncture I was told that my credit would now be moved to my new account number and that it would be 1-2 days more. 

Company response: Company chooses not to provide a public response
Consumer complaint: Continuously calls claiming I owe money to XXXX XXXX XXXX. I have never had a bill with XXXX XXXX XXXX. Refuse to stop calling. Had to block number 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This company continues to Report a " medical bill '' to the bureaus after they have been provided the police report and all documentation several times. They are dogmatic and threatening. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have had an account with Bank United for over XXXX years. My account was overdrawn and I received a call from a very aggressive and disgruntled Bank United employee, XXXX XXXX XXXX who excoriated me for being overdrawn and demanded payment, of which I responded as soon as commissions came in it would be taken care of. I am in Hawaii since XX/XX/XXXX and am nowhere near a Bank United branch, none on the island. I set this account at Bank United to receive funds electronically to cover these eventualities, however XXXX XXXX restricted my account and I called customer service and spent over an XXXX trying to pay this and I was not allowed to do so. XXXX XXXX also made harrasing and somewhat threatening calls to the joint account holder including emails of that she must cover overdraft or she would be negatively impacted. I am pretty sure that these bully tactics are employed regularly, and I ask that in order to protect the public at large and prevent these immense institutions from basically garnering more fees improperly into their coffers that your organization look into to this and take any appropriate actions necessary. XXXX XXXX XX/XX/XXXX made XXXX XXXX in overdraft fees so this is a very lucrative avenue for the banks, just FYI. 

Thank you in advance for your attention to this matter! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: . 
My daughter needed financial support in getting repairs completed on her car which had been wrecked. I called the auto repair shop and talked to the owner. He told me that all work to this point has been concentrated on restoring the body work and no work has been done " under the hood ''. I asked what it would take to get the car in working order. He gave me an off the cuff verbal estimate of {$600.00} to {$800.00} for his shop work plus {$200.00} for painting. I found this acceptable and asked for a written estimate. I never received a written estimate. On XXXX XXXX he called and told me the car was finished and available for pickup. He told me the charge would be {$1300.00} and required me to give him my credit card information over the phone ( I live in another state ). I asked him for an invoice. I received an invoice the next day by email. On XXXX XXXX my daughter picked up the car. On XXXX XXXX, I see a charge of {$1300.00} on my credit card statement in addition to the {$1300.00} charge I approved. I had no idea where it came from. I had received no estimates or invoices to that effect. I emailed the owner a demand that the charge be removed from my account. After a few days it had not been removed and I filed a formal dispute over the phone with Bank of America. On XXXX XXXX, 2015, I received an adjustment of - {$1300.00} on my XXXX statement. I was relieved thinking the issue had been resolved. On XXXX, I noticed a debit of {$1300.00} by the auto repair shop on my credit card statement. 
I called BA and asked about it ; I was told my dispute had been overturned. I was told the auto repair shop had submitted documents to support its claim. I asked for and received a copy of that documentation. I was never presented with opportunity to submit any documentation to challenge the shop additional charge prior to it being overturned. After it was overturned I was offered the opportunity to submit documentation. I sent XXXX pages substantiating my position. It was too late. Bank of America was in no position to change its mind. 
The repair shop had my card information and the machine to make the charges against my account. The shop owner said the additional charge was for a catalytic converter replacement. The catalytic converter was no where near the area damaged in the wreck. Months later I was not able to get an explanation on why it was replaced. Maybe it was n't replaced, maybe it was needlessly replaced or maybe it was stolen while the car was in an unsecure area and had to be replaced. 

I depended on Bank of America to protect me from fraudulent charges and for XXXX years they did so ; not this time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I own a home in Virginia, and recently suffered a loss ( XXXX XXXX ) due to an electrical surge. My heat pump was damaged. The electric company admitted the problem and fixed the power line. I had a contractor replace the entire unit. My insurance company, XXXX, quickly sent me a reimbursement check made out to me, and Wells Fargo. I endorsed and sent the check to them, and they verified receipt on XX/XX/XXXX. It is now XX/XX/XXXX, and they refuse to release the funds to me. They have sent me approximately XXXX pages of documents, and I have mailed and emailed them approximately XXXX pages back. Every time I call them it is like a " comedy of errors. '' They keep asking for the same things, and they even directly contacted my insurance company, XXXX, twice. None of the documentation seems to satisfy them, and I have called at least 15 times. I have paid on time every month since I started this mortgage, and often pay extra towards principal. I do n't understand how they can hold my money, and give me the run-around when the insurance paid so quickly. The loss is relatively simple, a heat pump. Can you please explain why it is OK for a mortgage company to take a check and just hold it for over a month? I already have been damaged, and the mortgage company just makes it worse. 

Company response: Company chooses not to provide a public response
Consumer complaint: Re : U.S. Bank Home Mortgage Account : XXXX ( XXXX XXXX ) On XXXX XXXX, 2015, we received a call from U.S. Bank stating that our XXXX mortgage payment had not been received. 
We checked our records and noted that we had paid the mortgage on XXXX XXXX, 2015, ahead of schedule, through a third party processor, XXXX, XXXX. 
Upon further inquiry, including talking to a supervisor, U.S. Bank continued to rudely and vehemently insist that payment on the mortgage account had not been received yet. Therefore, we went online and repaid our mortgage for XXXX, including payment of a {$5.00} fee for paying our mortgage " late. " Upon inquiring with our bank and third party payment processor this afternoon, we found evidence that U.S. Bank had not only received the entire payment, but also cashed the check made out by XXXX. We faxed this evidence to U.S. Bank XXXX and also followed up with a phone call where the agent was equally unhelpful and told us they could not find the payment, and could not reverse my {$5.00} fee. 
Either U.S. bank has yet to apply the payment or applied it incorrectly, but there is XXXX doubt the payment was received by them and now we have been defrauded by the bank for {$1600.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: Called and told my employer that they were calling on a legal matter. When I was passed the call, I was told by XXXX XXXX XXXX XXXX , XXXX that she was contacting me and my employer to notify them of a judgement against me in the county in which I live. First of all, she herself stated the debt was charged off XX/XX/XXXX ( which is a lie ). Secondly, I have never been notified of any court proceedings because there have been none. I have received numerous threatening letters and harassing calls even after requesting they do not contact me at work again. That debt was 7-10 years old XX/XX/XXXX and I have lived in Oregon for the last XXXX years ( in XX/XX/XXXX ). These people need to be dealt with. This abuse is not allowed by the Federal Government or any State in the United States 

Company response: Company chooses not to provide a public response
Consumer complaint: LendeLlive is a non bank mortgage service loan collector apparently. And.. since sending them documents and paymentunder the guise of another bank, they still are apparently the claimed servicer of a non-existent mortgage lien holding my name. 
They have requested modification documents from me and robo-signed returned copies 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My father went to the ER at XXXX XXXX XXXX XXXX in XXXX TX. The hospital registration erroneously thought I and my father were the same since we have the same basic names- XXXX XXXX XXXX although I have a XXXX name which is XXXX XXXX My father was n't able to pay some of his bills since he does n't have insurance. Unfortunately the hospital used my SS # and assigned it to my father 's account. This was sent over to the collection agency PROCOLLECT. Since it 's my SS # my credit report and score are now adversely affected. I contacted ProCollect and even sent documents so they can change the SS # to my father 's but they refused to help me. The account manager, XXXX, even accused me of taking over my father 's debt, saying I am now responsible for it. I did not sign any paper to assume my father 's debt, and XXXX could n't produce XXXX. I have contacted the hospital too, they sent me a letter apologizing for their mistake. Their business office, according to them, has contacted ProCollect so they can correct the error and XXXX the hospital assured me that ProCollect promised to fix the error which has not happened. 
I am writing to please beg and implore to help me with this situation. I can still open new credits but with less favorable terms. I want to shop for auto and home insurance but I get less favorable quotes because my credit score plunged from XXXX to XXXX. All I 'm asking is for ProCollect to change the SS # on file on my father 's record from mine to his since the debt in question is not mine. Until this day they refuse to do so and I am being punished for something I did not do nor obligated to settle. I will attach documents as soon as I know how to do so. Thank you very much 

Company response: Company chooses not to provide a public response
Consumer complaint: Frederick J. Hanna & Assoc. P.C. in XXXX and XXXX XXXX constantly tried to solicit money from me or they would sue me and take whatever they could to satisfy the debt even if it was everything i owned. After months of harassment they forced me into signing a repayment agreement and a Confession of Judgement. I think I was cohereced into something thats not right or even legal. They have been aggressive and abusive with their constant threats of wiping me out if I did n't agree to sign papers and send them money. So I finally did, I think this type of threat and coercion may be illegal and I ask for your help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX XXXX XXXX. XXXX. in XXXX and XXXX XXXX constantly tried to solicit money from me or they would sue me and take whatever they could to satisfy the debt even if it was everything i owned. After months of harassment they forced me into signing a repayment agreement and a Confession of Judgement. I think I was cohereced into something thats not right or even legal. They have been aggressive and abusive with their constant threats of wiping me out if I did n't agree to sign papers and send them money. So I finally did, I think this type of threat and coercion may be illegal and I ask for your help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed for Chapter XXXX bankruptcy in 2009. The bankruptcy was dismissed. I desperately need a new roof, but I can not get approved for a loan due to the above. I believe it should be removed from my credit report since it was dismissed. 

Company response: Company chooses not to provide a public response
Consumer complaint: My XXXX payent was 10 days late. They called me every day and harassed me even after I told them when I could make the payment. XXXX 's payment was on time. Here it is XXXX XXXX and a girl calling herself XXXX called to harass me about XXXX payment. It 's not even due yet! They are so rude and ask the same questions over and over, when you think they are finished they say they need to pass you to a supervisor and then you go through the same thing all over again. I asked why I needed to speak with a supervisor and she said to confirm my information, I think it was just to waste my time and badger me. I did n't choose Greentree, they bought my loan from XXXX. Ca n't wait to be done with them. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: My wife and I refinanced our loan on our house about 3 years ago through Mortgage Company Y. About 1 year later our Mortgage was purchased by PennyMac, my current Mortgage provider. When our Mortgage was originally setup we did not have an Escrow account as both our property taxes and home owners insurance is paid by us directly. We do have PMI on our mortgage which both our original Mortgage provider and PennyMac pay from my monthly payment. 

PennyMac assumed they paid my home owners insurance so they cut a check on my behalf in XXXX XXXX. Then once their automated system saw that I had a negative balance, they assumed it was from my Escrow account that we never setup. This problem occurred when the mortgage was transferred to PennyMac, which they admitted and fixed. At no point in during my mortgage have I been late or stopped paying the exact same amount which was established at the beginning of this loan. However because of PennyMac 's error they charged me a late fee since my account showed a negative balance, this late fee causes issues because when their system pays my PMI, the balance continues to be negative. I have called PennyMac three months in a row trying to fix this in which they claim to do, but unfortunately each time I get a mortgage bill the error continues and they increased my mortgage payment, to fix the negative balance. During my last call on XXXX/XXXX/XXXX to XXXX at XXXX ( PST ). I was placed on hold for about XXXX minutes when XXXX said the insurance department was the only department which could fix my problem. I was placed on hold again for another XXXX minutes in which the individual who finally answered said they only deal with property tax and home owner insurance escrows. He looked at my account and said that I do not have an escrow account and that my insurance is good until XXXX. He apologized and said I would have to call customer service back. Funny Customer Service closed at XXXX XXXX, how convenient. I would like PennyMac to put loan amount back to its original amount which was established when I stated this mortgage along with crediting my account for all the late charges they put on it due to their mistake. Please help! 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Re-opening of case # XXXX*Update*I was told by US Bank that I would have a resolution on this issue by XXXX/XXXX/15. Today is XXXX/XXXX/15 and they still have no answer. I initially figured since they took my case early on and processed it and gave me a deadline they would meet, that I would n't have to worry about it. Obviously I was fooled. I am now continuing the complaint. Please call my cell phone if you need further verification or clarity on this issue. 


I purchased a {$500.00} XXXX Gift Card from XXXX 's that was issued by US Bank. The moment I opened it up, I realized something was wrong with the packaging. I tried to use it and was not able to. I realized the card was already compromised, so I called US Bank ( card issuer ) immediately to shut down the card. They confirmed with me over the phone that the card was shut down and I just had to fax in the paperwork for the card replacement. That was on XXXX/XXXX/15. I faxed in the paperwork a ( XXXX ) few days later for the card replacement. Fast forward to today XXXX/XXXX/15. I called in to check on the status of the card replacement, I received a response from them saying they could not replace the card because funds were used. Now how did this happen on a shut down card is beyond me. Either the rep lied to me and told me she did shut it down on the spot, or she never did it to begin with. Either way, both scenarios demonstrate the incompetency levels of US Bank service reps. Now, instead of waiting for a card replacement, I now have to file a fraud report because the genius of a US Bank service rep did not do her job. Also, this genius rep did not put in any notes on the account either, so when other reps looked at the account, they saw nothing of the shutdown ( or so I 'm told ). I 'm expecting this to take another XXXX months to get resolved ( if at all ) courtesy of incompetent service reps. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been identified as XXXX XXXX. I have never used this name. My name is XXXX XXXX. 

Company response: Company chooses not to provide a public response