AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: o My wife opened this account over XXXX years ago when we lived in the XXXX area and I was working XXXX jobs. 
o We moved back home to XXXX in XX/XX/XXXX when the company I was working for let all the XXXX go & bought a canned software package. 
o I taught school for XXXX XXXX XXXX XXXX for XXXX years until I had a XXXX XXXX and was forced to retire. 
o My wife XXXX has XXXX 
o We XXXX take many medications and I can no longer work so I can no longer make payments. 
o For the last several years we had this account we paid {$200.00} to {$250.00} dollars each month and regardless of many calls Home Depot refused to apply any part of the payment to the principle. 
o We are XXXX years old and own no property or vehicles. 
o We are constantly being harassed by XXXX XXXX XXXX both on my Home Phone and my Cell Phone I have repeatedly asked them to stop calling as we will never have any funds to make additional payments on this account. 
XXXX/XXXX/XX/XX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Late afternoon on XXXX XXXX, 2015 I took a check written from my business account into Bank of America to cash. There was only XXXX teller working. The check was written for {$5500.00}. The teller ran the cash through the money counting machine and then took from the stack and said she almost gave me an extra {$100.00}. She put the money in an envelope, without counting it back to me, and I left without thinking there 'd be an issue. Well there is an issue! When I counted the money, and the bank was already closed, I found out the teller had given me only {$4400.00} ... {$1100.00} short. Immediately the next morning I went to the bank and explained what happened. The first representative immediately said the count was not off {$1000.00}. My wife interjected and said it is {$1100.00} off not a {$1000.00}. The representative then went to get the supervisor and after about 30 minutes she explained they would request the video, but there was only XXXX person that managed the entire Western region so she was not sure how long it would take. She called back and said they found no error. I asked to review the video and she refused saying that it would invade customer privacy. There were no other customers at the teller. And if the cameras are focused in on the counting machine to verify it counted out correctly then that too should not be an issue of letting me review the video. Bank of America has stolen {$1100.00}. of my money. The supervisor said their investigation is closed and I really do n't know how else to pursue justice in this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I just looked at my account and my {$9.00} and a few pennies overdrew my account and Bank of America charged me a {$35.00} fee. They refused to waive even though I have been a customer for 14 years and I think this is my XXXX overdraft I have ever had in my life. I find it both excessive and incredible that 1 ) they seem to think that charging a few more than XXXX the debit makes sense and 2 ) it is impossible to have a conversation with the CSRs because they only give the scripted answers and are unable to take each customer as an individual. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a US Department of Education ( Direct Loans ) account on my Experian credit report that shows past delinquency. This is inaccurate information. I disputed the account with Equifax and TransUnion, and it was promptly corrected. I have attached a copy of the dispute results from XXXX. Experian refuses to reinvestigate the account, stating that they previously verified it in XXXX 2013. The dispute from 2013 is unrelated to my current request. This account is no longer serviced by the Department of Education, as it has been transferred to XXXX. I would like for this account to be deleted, or for the delinquency to be removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2010 I was giving an forgiveness loan from XXXX Bank then the loan file went to XXXX XXXX, from there EMCE then from there Premiere Credit XXXX XXXX XXXX, and then Premiere Credit went into my account and took out XXXX dollars, I send them proof and had not heard from them at all but still XXXX dollars is still being taken, they told me I can talk to a man call XXXX XXXX, I have call him, XXXX him XXXX and still no call back, I want to sued them cause they had no right going into my account, if you want me to fax or send the proof to you please call 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2010 I was giving an forgiveness loan from Citi Bank then the loan file went to XXXX XXXX, from there XXXX then from there XXXX XXXX Of XXXX XXXX, and then XXXX XXXX went into my account and took out 170 dollars, I send them proof and had not heard from them at all but still 170 dollars is still being taken, they told me I can talk to a man call XXXX XXXX, I have call him, fax him XXXX and still no call back, I want to sued them cause they had no right going into my account, if you want me to fax or send the proof to you please call 

Company response: Company chooses not to provide a public response
Consumer complaint: Called collection agency and telephone operator would not listen, consistently said that I was not making sense because I was XXXX XXXX. Harassed me about my XXXX XXXX any time I tried to present my case. She said that I was so XXXX XXXX that I was " not comprehending. '' This is was only a tactic used to invalidate my concerns. She used my XXXX against me rather than taking reasonable time and energy to understand what I was saying. 

What I was trying to say was that management had told me to call the police on my neighbor without any good reason. They wanted me to help illegally evict my neighbor. They told me he was dangerous and told me to " be safe. '' It precipitated psychosis. They never returned my phone calls or tried to resolve the matter after several attempts I made trying to contact them. They just turned everything over to a debt collector without trying to work things out. I did everything I could to take care of the matter, but they told me to call the police and that was manipulative and wrong. It made me mentally unstable and unable to continue living there. I had to go into the hospital and was unable to return to the apartment. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I thought that collection from my provide apartment. When we end lease that apt does n't return my deposit money so we thought they make up for apartments cleaning fee. Then was 2009. I really do n't know i have serious record on my report before I checked my credit report XXXX month ago for buy house. 
and then that account joint with my husband. But my husband same account is closed but my own is still open. 

Anyway, I never has a notice from collection agency before they report on my credit report. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I believe this is more of a problem with a potential creditor, and not Experian itself. I am not sure how to proceed, however, here is what happened. I applied for a credit card sometime prior to XXXX, just XXXX with XXXX. I did n't hear about approval so I called and inquired, and then followed up with a letter dated XXXX XXXX, 2015. My experian credit report notes XXXX hard inquiries spaced just weeks apart, XXXX XXXX, 2014, XXXX XXXX, 2015, XXXX XXXX, 2015, and XXXX XXXX, 2015. 

I know this is impossible because there would be no way I would attempt to reapply for credit in such a short time frame, so I have XXXX hard inquiries on this report that will be on this report incorrectly for two years from now. It is wrong, and I only gave permission for XXXX hard inquiry. 

Company response: Company chooses not to provide a public response
Consumer complaint: I appealed the decline of the loan modification within 30 days. Select Portfolio Servicing is not honoring the 30 day appeal process which is illegal per the Homeowner Bill of Rights Act. The underwriters have miscalculated my income and overvalued my home by over {$200000.00} in the original decline, now they are stripping me of my right to appeal. I have proof that I sent my appeal in by email per their instructions within the 30 day period. 


Please have SPS cease the foreclosure process per the Homeowner Bill of Rights and proceed with the appeal process. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a car loan with consumer portfolioand my loan has not went no where. I have had the vehicle for almost 3 years now and they have been charging me alot of late fees. I have had different car loans in the past and they give you a 30 day grace period to pay your loan. When I got with this company I was not told about this. I really feel they are ripping me off and I do not want to be under them. I understand I have been late but its how my payday falls and they been calling my job harrasing and everything. I know they are ripping me off 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a Shell Credit Card account for decades. The issuer is Citibank. The card was very seldom used, usually on long trips. At some point I believe late XX/XX/XXXX or early XXXX the account number was changed by Citibank and I do n't why. After that point it seems all communication, statements etc., stopped. Not using the card very often it did not come to my attention. In XX/XX/XXXX I used the Shell card to make a purchase in XXXX Ca. for XXXX. I am a person that pays his bills within a day or XXXX of receiving them. Something had happened to cause me to stop receiving statements from Shell/Citibank. Without a statement the purchase went unpaid. I believe that each month Citibank thought I was receiving statements and ignoring them so they added late charges until they closed the account and sent it to collections. Also, they notified the credit reporting agencies, showing a charge off on my report. I discovered all of this when I applied for a credit offer from a retail store. Prior to this point I did receive a letter from the collection agency indicating the charge off from my Shell account. Believing that I had a XXXX balance, I logged into my Shell account on-line and it shows no balance owed. I hought the letter was a fraud scheme. I can still log into the account. I discovered that I am logging into the old account number?? 
The action I have taken : Called the Citibank service center and asked to discuss my bill with the representative, who claimed she could not see the account since it was closed. She told me she would send the statements and I should try to figure out what happened. Really? 
Month later, received statements and discovered the aforementioned information so I called the Citibank service center again to discuss the issue. I was told this time that I would have to write a letter to the CBR Dispute Dept. of Citibank. 
Wrote letter to CBR Dispute Dept. outlining the details and asking for a representative to contact me with a resolution. They have not contacted me after sending additional faxes requesting any type of contact at all. 
After a month of no contact I emailed a letter to the CEO of Shell and the CEO of Citibank detailing the issue and begging for a representative from either company to contact me. 

I am a XXXX retired XXXX XXXX that takes pride in having a pristine credit report and have never paid a bill late. Please help me! 

Company response: Company chooses not to provide a public response
Consumer complaint: I refinanced my home on XXXX XXXX, 2014 with New Penn Financial. In the mortgage document that was executed was an automatic payment enrollment form that states that I can have XXXX Mortgage Servicing ( New Penn 's mortgage servicing arm ), withdraw funds from my checking account biweekly on the start date that I specify. I specified XXXX XXXX. ( By having funds withdrawn bi-weekly, I pay down the principal faster. ) XXXX did not withdraw on the XXXX but waited until the XXXX. I objected that the XXXX was out of sync with my payday and that I wanted the agreement honored. They stated that they only draft accounts on XXXX dates each month and that I had no choice what date they drafted. When I objected they took me out of the biweekly withdrawal program and charged me a late fee. 

I 've been paying biweekly on my paydays since but because I out of sync with their schedule they charge me a late fee plus I am not getting the principal advantage because they do not honor my payments a paying down the principal. To get this advantage they say that I 'd have to pay an additional XXXX up front. 

I want them to honor their agreement, deduct my account on the date specified in the mortgage agreement, and credit my account with principal pay down. 

I 've filed XXXX Better Business Bureau complaints and they 've failed to respond to either. 
They call to remind me that my payment is late every month. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I borrowed {$13000.00} in 2003 from Student Loan Finance. I became extremely I 'll in the middle of the XXXX semester, resulting in XXXX XXXX over the last XXXX years. Student loan XXXX has been unrelenting. They have told me I need to borrow the money from family members or get another job. They have been unwilling to accept any form of payment other than what they want and have threatened to sue me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello- i purchased a home in XXXX 2014. This day was suppose to be the happiest day of my life and instead i was feeling like i should have not made the purchase but was n't able to get out of it because of i would loss the down payment money and other things. the lender company did n't do a great job of explaining things correctly to me and i often received conflicting information or finding out that the amount approval was given was incorrect fha vs 100 % financing. ok, i found out that the lending company use and insurance company that i had no knowledge of and the amount of coverage was not correct. the house had coverage for someone not going to be in the home for about six months. i found that out due to searching for a lower monthly payment, on now i found out that the taxes on my home is 1500.00 hunder dollars more than what they said at first before closing. so with my monthly payment of XXXX is now going to go up over 800.00. When i went into the office to apply or see if i can qualify for a home, i told them I do n't a monthly payment of 700.00. they said i would have to fight the payment of XXXX until i file homestead exemption and i will drop about 300.00 a year and the would put me closer to my request. I said ok, now come to find out THAT is not going to happen since i am in the whole from the amount of propery tax and the correct insurance has gone up on my home. I am so afraid I will not be a home owner for long because of the STRETCH payment i am having to come up with from month to month now. This is stressing me OUT so bad, it will mess up my credit, and my living status with my family of having to find them a nother place to live. I spoke with manager of homestar and i do n't feel as thou he understand how this has effected my finances of struggling to pay this every month. Having to come up with extra monthly with children and other responsiblity is difficult, and that is Y i try to plan and keep it to an minimual ... .. this is CRAZY ... .... i am trying not to cry but it is hard to tell your family we may have to move because we can afford where we are because of some XXXX else neglection. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: The lender failed to give me a modification when I am eligible for XXXX. I hired a lawyer and the lawyer agrees with me. The lender, however, is still trying to take my property. Due to the recent denial, I need your immediate help because I do n't know the sale date. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Spoke with the dept of loans here in Alabama and was told this company does not have a license to do business in Alabama and that she had sent these companies I mention in this report to you all for investigation from other consumer. I took out a {$2600.00} dollar loan and paid {$290.00} for a year and my balance is still XXXX With past due of {$610.00} and then tried collecting again through XXXX for the total amount of the original loan, now reporting on XXXX with XXXX as a write off of XXXX $ with a {$1600.00} past due balance. I was told by the contact person for bureau of loans that this was given to you all before and is being investigated. Many states have taken action including voided these loans. Please get these predatory people to shut down. Western Sky is the originator of these loans and the document by Delbert services says refer to Western Sky for questions. This info needs to be verified. Western Sky is not doing loans now. I wonder why? They immediately after doing the loan say they sent info via email that they ( Delbert ) would be collecting on the loan. Please do research and figure why did they sell the customers from western sky to Delbert services and now XXXX XXXX. They are killing my credit report because I am refusing to pay after researching they are under scrutiny with other states. This has got to be illegal. They are now trying to collect with settlements for half the amt of the loan and someone has been calling my cell and not leaving a message. He 's asks for me and does not say. I owe no one to call me discretly. I think it 's XXXX trying to catch me. Please make this go away off my credit report. I have tried hard to fix it and now they have trashed it along with having been harassed for months before contacting you all before. They wrote it off XXXX for {$2600.00} and sent an email to collect again XXXX/XXXXXX/XX/2015 for the XXXX {$.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: To Whom It May Concern : I had a short-term cash advance to cover any overdraft my account could incur. I finisehd paying it the month of XXXX, 2015, but I have been unsuccessful to stop Citibank from charging my bank account since XXXX 2015, after having stopped at the bank XXXX times. 
I would really appreciate to bring this issue to their attention since I do not have the time to stop by the bank a XXXX time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was originally a co-borrower with my now deceased husband in XXXX. I modified the loan after he died in XXXX. I lost my job in XXXX I asked Suntrust mortgage company for a modification on the loan, they refused and sent me a response giving my options for a short sale or foreclosure starting on the XXXX of XXXX. I work a XXXX XXXX job and the bulk of my money comes after the XXXX of each month. I pay my mortgage, but I 've accrued late fees. ( {$1600.00} ) I contacted XXXX XXXX, XXXX, the representative told me she could not discuss the loan because it 's still in my deceased husbands name. Suntrust never took my husband name off the loan. 
What can I do to stay in my home? 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX I submitted a form to LendingTreeAutos.com with all my pertinent personal and auto information.They advertised on their website that they would compare my current auto rate with potential lenders that could then make refinancing offers. I understood from the information on the website that if I was interested in any of the offers I could then contact the lenders. Only XXXX lender sent me an offer which was for an APR higher than the one I currently have. On the website I was given information for XXXX lenders with telephone numbers to contact if I was interested in pursuing refinancing. I did not contact the lenders nor did I give consent for them to perform a credit inquiry. However, XXXX different lenders pulled my credit report over the course of a couple of different days. With each subsequent inquiry to the various credit reporting agencies my credit score decreased. There is no disclosure on the website warning consumers of the possible repercussions of using this service. My FICO score dropped by more than XXXX points in a matter of weeks. Now I do not qualify for good rates or any loan at all. I subsequently contacted XXXX, XXXX of the credit reporting agencies, and was informed that LendingTreeAutos.com or their affiliates could have the inquiries on my credit report removed by contacting the XXXX major credit reporting agencies, thereby restoring my credit score. LendingTreeAutos.com will not comply with this request. I then attempted to close my account with them, but there was not an option for this online. I contacted the telephone number listed on the website and was assured that the account would be closed and that no further information would be disseminated to any lender. As a consumer, I was not aware that using this company to vet potential lenders would so adversely affect my credit. LendingTreeAutos.com does an extreme disservice to the consumer at large. If in fact, they conform to all lending regulations, then this should be addressed with regulatory or other changes to protect the general public. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: 360 Mortgage has submitted a debit to an account that I did not authorize. The representative took my payment over the phone and was to debit my checking account ending in XXXX from XXXX Bank instead there were XXXX debit transactions made XXXX from my XXXX account and XXXX from my XXXX. I was charged a {$36.00} Insufficient fund fee from XXXX for this and was reported 30 days past due on my mortgage account by 360 Mortgage which was not authorized to debit this account for my XXXX mortgage payment. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: My cell phone listed this number as the caller. A lady by the name of XXXX XXXX state that there were documents under my name ( she used my full legal maiden name ) and social brought to her attention that I am probably not aware of. She said it is very urgent I call her back by XXXX eastern. She told me to call her back at XXXX and use a reference number that included XXXX digits. This is n't the number she called me from. I looked the XXXX up and this seems to be a common message associated with this number. The woman never stated what company or office she was calling from. 

Company response: Company believes the complaint is the result of a misunderstanding