AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Over the course of 7 months of negotiations and several foreclosure sale postponements. We accomplished raising money to Fully Payoff our XXXX Mortgage ( BB & T ) and Short Pay XXXX Lien Holder ( XXXX-HELOC ). Another Foreclosure date was set for XXXX XXXX, 2016, without my knowledge, no notice to XXXX Lien Holder, and No notice posted on XXXX XXXX XXXX, webiste ( Foreclosing Attorney ) We were in bi-weekly communication with XXXX XXXX XXXX to obtain a updated payoff and no one mentioned New Sale date. We would have put in a request for postponement as in previous occasions. Most assuredly with money coming from IRA account to pay it off. However, We closed on XXXX XXXX, 2016 using a copy of my husband Power of Attorney. He was out of state in XXXX XXXX XXXX XXXX and hard to reach. He gave me POA to sign closing docs for him. The Original POA was lost in the mail and another had to be sent. On the afternoon of XXXX XXXX, 2016, The Title Company received the Original POA and began to disburse funds. They hand delivered the check to Junior Lienholder on XXXX XXXX, 2016, and then called to get a daily per diem to payoff BB & T via XXXX XXXX XXXX. XXXX advised the Title co that the property had been sold that Morning XXXX XXXX, 2016 to a Third party ( local Investor-Non Owner Occupant ). We began to communicate directly with BB & T that Full Payoff was available if they accept the payoff. BB & T advised they could more than likely allow Us to redeem the property due to State of TN 730 day Redemption Period. Even IF we Knowing or Unknowingly waived our rights to redeem int he original Deed BB & T could work around this to accept Full Payoff regardless to Third party buyer. 
BB & T sent request to XXXX XXXX. XXXX XXXX advises me as of XXXX XXXX, 2016, that it is at the discretion of the Servicer and their attorney to allow borrower to redeem the property. 
XXXX XXXX XXXX do NOT want to approve XXXX XXXX for XXXX. I find it strange and unjust that XXXX should reject the actions taken by their client to work with Us. XXXX XXXX XXXX is not interested to accept Full Payoff. XXXX wants the foreclosure sale to stand in spite of my conversation with BB & T ( XXXX XXXX XXXX 's client is attempting to work with Us ) BUT XXXX XXXX XXXX do not want to work with Us. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX of 2015 my ex girlfriend stole someone 's checks and cashed them in our joint account. I contacted the bank and asked that they remove me from the account and they said that she must be present for them to remove her. This was impossible to do as I was to have no further contact with her. I filed a claim with the New Jersey Consumer Affairs Division and they referred me to the New Jersey Department of Banking. The did nothing to resolve my issue in removing me from the bank account. The bank has now put me in collections for the total amount due and I do not owe this she was the one who stole the checks and cashed them. If they would pull the security footage from the ATM Machine that she used it will show her doing it. I have copies of the checks and it is her handwriting on them. At the time I was away from my home and did not have anything to do with this. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX has misreported my payment history. I have presented to Experian copies of my cancelled checks which they will not acknowledge 

Company response: Company chooses not to provide a public response
Consumer complaint: My account was NEVER late and was paid in full ON TIME after an accident that totalled the car. My insurance sent in settlement and Credit Acceptance Corp GAP insurance covered the balance. This was verified at the time it was happening. Recently upon pulling copies of my credit to find out why I was having issues, it was discovered that Credit Acceptance had marked the account as 'Derogatory ' and 'Payment after charge off/collection Paid collection '. 
I made contact with them recently which the customer service person saw that the account was indeed paid as agreed and never late, and claimed to forward the information to another department. I have received NO communications since then. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX refuses to remove derogatory information. The last " payment '' date they report is XXXX but they are telling Experian the last " delinquency date '' is XXXX. It is my understanding that the " date of last payment '' starts the " seven year '' clock. I was caught up in the Deceptive Trade Practices Lawsuit the State of Texas won against them for their Warranty practices. They " sold '' the debt to XXXX who I 'm quite sure your familiar with. XXXX deleted their information but XXXX remains. I have contacted XXXX and they claim they " ca n't talk to me '' because of XXXX 's involvement and then hung up. I take full responsibility for not paying them and returning their property but right is right and they should be held accountable for their actions. The people at Experian agree that the delete date should be this month but their hands are tied by XXXX deceitful reporting. Unless I 'm wrong XXXX should be held to the XXXX date as the " first delinquency ''. Of note is the fact that XXXX own reporting shows no XXXX/XXXX/90 delinquency reports, it goes from " paying '' to " Charge Off ''. I firmly believe based on my dealings with XXXX they do not have a clue as to what the correct information on this account is. In prior conversations when asked about specific dates they replied " all of those files were sold to XXXX ''. All I want is to be treated fairly but XXXX will have to be dragged to get them to do right. Thanking you in advance for your time and help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I do n't recognize a debt forwarded to this company in my name. I received a random email 3 days ago on an account I do n't use ( luckily randomly checked my inbox today ). It was related to XXXX XXXX, whom I was a client of in 2015 but do n't recognize the charge they 're pursuing against me. I never did a {$100.00} transaction, which both companies say I owe. I refuse to pay something I did n't do and will not tolerate any impact to my credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i received an offer of wells fargo credit card about a new credit card in which they give me the offers of 0 % apr for 18 months on balances transfer and purchases. so i applied and got the card to my home, but when i called them they told i just qualify for new purchases and that it was a mistake in the letter that they sent me. i am not apprved for balance transfer. 
i dont know what happened with this people and i ask u to investigate, please. 
the credit card is # XXXX XXXX XXXX XXXX my name is XXXX XXXX XXXX. 
thanks. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received emails and I asked them to send me something in the mail and they kept on emailing as if they wanted to annoy, then started calling and I asked them again! Then they waited a week and the calls started again! It was for a XXXX XXXX account 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX has been attempting to collect on a non-existent debt. I have at all times had all outstanding balances paid on all accounts. I have proof of payment for the amount they allege is owed ( attached hereto ). A different collection agency previously tried to collect on this account approximately 1 year afo. I contested the claim, and that stopped contacting me. Now a different collection agency is contacting me to attempt to collect on the same non-existent debt. XXXX has agreed verbally on the phone that I owe no debts, and promised a letter of confirmation which they never sent. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I made a deposit on Wednesday XXXX in the amount of {$9500.00}. The receipt shows that on XXXX, {$4800.00} will be released with the remaining amount released on XXXX. 

In a letter dated XXXX from Bank of America states that the ENTIRE deposit would be held until XXXX. Since the letter was sent on the XXXX of XXXX, the date my receipt stated that {$4800.00} would be release I was not notified that all of the funds were held until AFTER I made purchases as I was notified from the receipt that I had {$4800.00} with which to work. 

Therefore, I was charged XXXX overdraft fees of {$35.00} each for monies I had on hand. When I spoke to your customer service representative, XXXX, this morning, she attempted to first say it was because I deposited the funds into an ATM, no matter that it was a Bank of America ATM. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: As far as remember i did not recall apply for such loan or either receive one.But for some reason i have received an email about an arrest warrant for that loan i was never contact either by mail or by phone from such company.All over sudden they told me i owed the {$1000.00} which i did not get from them. Unless its a problem of identity theft, cause this letter sound like threat to make me pay something i never had from them.Your help in this matter is very important to me cause i really do n't know and understand that. 

Company response: Company chooses not to provide a public response
Consumer complaint: Line of credit loan. Will not or can not send invoice. When I contact bank they all tell me different reasons. If I do not remember and do not send loan payment in time they will charge me. Some months I get invoice some I do not. Blame it on recent merger with B B & T Bank. Happened before the merger also. Tired of calling. They need to be responsible enough to send invoice and not make me call each month. They also tell me different places to send it. Also not very pleasant when I call either. Please do something. Tired of banks doing what ever they want. 

Company response: Company chooses not to provide a public response
Consumer complaint: Synchrony bank is the issuer of Amazon 's store credit card. If you look at the feedback for the card on Amazon 's site, you will see there are negative feedback ratings regarding Synchrony bank changing credit limits without notice. While this may be happening as well, Synchrony is also doing the following : they are delaying giving proper credit when payments are made. 
They are giving credit in their automated customer service system. If a consumer calls, their system says 'We received your last payment of X on Y date ; however, they are not reflecting the available credit immediately. This affects the consumer 's available credit & has the impact of artificially lowering the credit limit as well as artificially making it appear a consumer is closer to their credit limit than is actually the case. 
For example, if I make a payment of {$100.00} to my XXXX XXXX today, tomorrow I should hear through their automated system that a payment of {$100.00} was made to the card and that correspondingly {$100.00} more credit is now available. Every credit card company I 've ever had does this. 
I made a payment to Synchrony on a Monday. I called the automated system for a week straight. The automated system acknowledged my payment but also told me my credit available was much lower than it should have been. I called their customer service area? was repeatedly told my card limit had not changed. So they credit people for payments but do n't make the credit available on the card. I believe this is the reason behind the negative consumer comments about the card. 
If this is not illegal, it should be for the reasons outlined here. This is a deceptive consumer practice affecting people 's credit on a daily basis. Please use your enforcement powers to investigate and fine the company accordingly. Also be very public about this ; people need to know this company does this. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: For XXXX Bank - I never entered into a payment arrangement with them. They are falsifying the date of last activity in order to prolong the time this item is on my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: They called my place of business and asked for a supervisor after I requested they DO NOT call me at work. They have my cell phone number, there was no reason to call me at work again after I demanded they do n't. This WAS HUMILIATING and damaging to my job role. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I received notification that a Debt for the amount of : {$140.00} on XXXX XXXX, 2016 was place don my XXXX Credit Report and am not sure if there are others from this company. They have not provided any pre-collection attempts or notified me via postal mail, or a phone call. They have the wrong person. Ruining my credit. Needs to be removed ASAP! and A LETTER TO ANY CRA 'S REPORTED TO, TO have it removed. 

I need this removed ASAP! 

Alert Date XXXX/XXXX/2016 Source XXXX Company STELLAR RECOVERY INC Payment Status Collections Status Date XXXX/XXXX/2016 Balance {$140.00} Balance Date N/A Address XXXX XXXX XXXX XXXX, MT XXXX Thank you 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I needed to get a free copy of my credit report and visited XXXX of the major credit report company 's ( Experian ) website on XXXX XXXX, 2015 and wanted to print out my credit report. I was requested to create an account ( which I did ) and then followed the instructions to get my credit report. I was charged for XXXX for my report. So far is fine. 
However, when I checked my bank statement for the month of XXXX I saw that my debit card was charged {$21.00} on XXXX XXXX. When I created an account I was not informed that I was buying a paid membership. Also, I did n't receive any payment receipt from this company. If I received a receipt, at least then, I would know that I bought a membership! I called the company, explained the situation and asked for a refund ( on XXXX XXXX ) but they refused and the customer representative on the phone told me that everything was on the Terms and Condition document that I agreed online! There was a 7-day trial period that I could have cancelled my membership and it was too late he said. 
Now I believe that Experian ( although known as XXXX of the XXXX major credit report companies in the US ) is not doing ethical business itself so how can I trust this company for my credit report. Also, I am going to dispute some information on the report they provided me with. 
I just request a refund from this company for the amount they charged on my debit card. 
Best Regards, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX, I discovered that Fidelty Creditor Service had placed an collection on my credit report. I called to find out who they are and what I owed for. Was told it was for a dental account. The manager XXXX XXXX called me a XXXX, a liar and a deadbeat that does not pay my bills. He refused to escalate this to his superior and provide me proof of debt. I tried to explain that I never recieved a call or any mail correspondence from this company. His response was we have a bad address you know about it now so pay your debt. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On Monday XXXX XXXX, 2015 I received a Priority mail package sent through the US Postal System. Later that day I also received a text message informing me of the impending arrival of this package from a number I did not recognize. I have enclosed copies of these items as enclosures along with this letter. The package and the text message both referenced a secret shopper job. I did not remember applying for this particular job, and have never before applied for a secret shopper mission, so I was unaware of how this process works. The package contained a letter and XXXX USPS money orders, both in the amounts of {$910.00}. The day after I received it was the first day of the present academic quarter at my school and I am currently enrolled full-time. On my break between classes I had indented to consult with a representative inside of the XXXX XXXX branch of Bank of America . Coincidently, the bank was extremely busy, and since I needed to return for a class, I did not have time to make this deposit with a teller. Instead, I deposited XXXX of the XXXX money orders at the branch 's ATM. I held onto the second money order, and intended to take it to the branch the following day to review it with a teller. 
As I had personal expenses I needed to pay for that day, and assumed the money order would cover them. Returning home after class, I called Bank of America 's Customer Service line to inform them of this. Since I was unable to speak with a live representative, I set my alarm to call at XXXX XXXX the next day. According to my XXXX XXXX bill I called Bank of America at approximately XXXX AM on XXXX XXXX, 2015. The call lasted about 45 minutes and I spoke with XXXX representatives, XXXX from Bank of America and the other from a third party I was routed to by Bank of America who deal with money orders. During these phone calls I expressed concern about the deposit I had made informed the XXXX representatives that I the source of the money order was unknown to me, and that since it was a large amount I wanted the bank to be aware of this. As well, since the expenses I expected to pay with my account would have been taken from the recently deposited money order, I wanted to ensure that these would be covered. I value my Bank of America account, and wanted to ensure that what I 'd done was within reason. But I became increasingly worried about the validity of the deposit. Having reviewed my Bank of America Deposit Agreement, I understood it was my responsibility to inform the bank if I felt any suspicion about any deposits made into my account, so my call was intended to serve this purpose. 
After reviewing my rights under consumer finance laws and what to do after being a victim of fraud online, I decided to write this letter. As a former XXXX and XXXX veteran, I always intend to conduct myself responsibly, and value my relationship with Bank of America. I would not want to jeopardize this relationship. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am a XXXX citizen out of work and living alone. Harris and Harris keep robo calling me asking that I call them about a debt - each time I call they say they are trying to reach a XXXX XXXX ' - I 've lived at this address for 16 years and had the phone number for the same length of time and no XXXX ' has ever lived here over that time period - each time I call them I tell them as much but the keep robo calling - the last robo call I received was on XXXX/XXXX/2016 and I called them back on XXXX/XXXX/2016, explained the above and asked them not to call again - however that 's never stopped them in the past and I expect they will robo call me again. I filed a complaint with the XXXX today, so I 've taken not other action. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a credit alert that a company called Stellar XXXX had place a Collection on my credit report. When I called they said it is from an account in MD from XXXX. We live in southern IL where XXXX is not even available and have never had an account with them or any contact with them in anyway. We spent 7 hours being transferred from XXXX department to another and no one will help resolve this. It should be against the law to do damage my credit when I positively know there is no possible way this debt is mine, 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XX/XX/XXXX, I become injury at work. On XXXX XXXX my employer let me gosince XXXX XXXX I have been injury and out of work, I contact Bank of America to seeking for help. In three times they denied simply they said YOUR LOAN MODIFICATION APPEAL HAS BEEN DENIED WHAT YOU NEED TO DO NEXT IS SHORT SALE OR DEED IN LIEU OR FORECLOSURE WHAT HAPPEN WITH BANK OF AMERICA. 
" I believe that banking institutions are more dangerous to our Liberties than standing armies. If the American people ever allow private banks to control the issue of our currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property-until their children wake up homeless on the continent their fathers conquered. '' XXXX XXXX XXXX XX/XX/XXXX THEY GIVE ME A MODIFICATION BUT TO BE TRUE AT THE BEGINNING IT WAS OK BUT NOW THE INTEREST IS UP AND UP EVERY YEAR AND AT THE END IT WILL BE THE SAME THAT I JUST PAY WITH COUNTRYWIDE. 
THAT 'S WAY SEEKING FOR HELPI NEED HELP PLEASEON XXXX XXXX I JUST CAN MAKE MY PAYMENT AND I DO NOT KNOW WHAT IS GOING TO HAPPEN IF YOU NOT HELP ME PLEASE 

Company response: Company chooses not to provide a public response
Consumer complaint: Synchrony secures multiple cards that I use and their website consistently will not allow access to your account. Lowes, Macy 's and others typically put you in a loop asking for password when entered say it is incorrect. if you attempt to change when done it brings you to a blank screen, XXXX.do, always. If you call, as they offer no online services at all, you are either put on hold for over 20 minutes or given someone who speaks very little Englsih. Of course if you do not do that they just keep tacking on late fees. This is EVERY MONTH. All I want to do is pay my bill, not too much to ask. Tired of their intentional mishandling to secure additional fees. Tried filing with the XXXX but they chose to ignore the complaint and refused to respond. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been trying to get ChexSystems to remove the fact that I am dead from their credit report ( Ref # XXXX ). I am not dead and they have not attempted to contact me or reply to my request. 

Company response: Company chooses not to provide a public response
Consumer complaint: I never file a BK and It was removed from XXXX but is reporting to Experian and XXXX XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response