AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Long story I had a loan with One Main Financial. When I got behind they offered me an adjustment of terms. The AOT that I signed had a lowered interest rate 6 % down from 33 % and a payment of {$160.00} down from around {$310.00}. What they did not do was put on the form or tell me that the length of my loan would be extended to 79 months from 60 months. After I made the initial payment and was making a XXXX payment the Rep on the phone accidentally mentioned that my loan was extended. I told them I did n't agree to that and asked them to send me something in writing saying that my loan was extended. They have refused. I explained to them that according to THEIR AOT " Except as specifically amended by this Agreement, all other terms of the original obligation will remain in effect. '' I also explained to them that I was under the impression that it was like student loan forgiveness and I would have never agreed to the months being extended that long. They have predatory lending practices. I still ( 4 months later ) have n't been able to get in writing that my loan was extended to 79 months. They tell me refer to my " original contract ''. I keep telling them that 's the problem, the original contract says 60 months. They refuse to give me any kind of documentation. Furthermore they claim they have a phone call with me agreeing to the 79 month term and they have already reviewed it. Every time I try to speak to someone who 's listened to this phone call or try to talk to someone who can discuss this with me they threaten to put this on my credit. No one wants to help me get to the bottom of this they only want me to send payments. I 've talk to nearly every supervisor or manager in the company to no avail. Not only can I not get the agreement in writing but I ca n't get any one to discuss the so called phone call that they have. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX I received a call from one of my retail cards, XXXX, asking why I am changing my address and phone number on my new account. I confirm that I did not change that information and contacted each one of my accounts. I discovered the address, phone number and email address had been changed on every one of my retail credit cards. There were two address used XXXX one in XXXX and and other in XXXX XXXX addresses were reported to all three credit bureaus- even after I reached out to them and put a fraud alert on my credit accounts and credits reports. On XXXX XXXX, an unauthorized purchase was made on my XXXX account and shipped to the XXXX address. I had XXXX intercept the package and retail it to the retailer. On XXXX XXXX, the address was changed on my XXXX XXXX account. XXXX XXXX reported that a purchase was attempted but the purchaser could not verify the personal information on my account, so it was declined. There are multiple credit inquired on my credit report that I did not authorize that go back as far as XX/XX/XXXX and the defrauders used an incorrect variation on my name XXXX XXXX XXXX XXXX. I have locked all of my credit accounts and frozen limits. However, I wanted to buy a house and need to apply for a mortgage in less than 30 days. I will continue to monitor the situation but I need help. 

Company response: Company chooses not to provide a public response
Consumer complaint: On Saturday, XXXX XXXX, 2015 I contact Navy Federal Credit Union regarding fraud on my account and replacing my card that indicated that they send the request to another business or unit who process of mailing the New Bank Card. The make seem like XXXX comes to the office and issues the bank card the is not true a tracking number is imputed on labels so you do not have wait for tracking number. Then if you establish Business you also order printed labels with you business name and address, account and the Track number is on the right side of the label. So why do Navy Federal Credit Union Customer Service and Supervisor make seem extremely hard to obtain a Tracking Number for them to mail a replace Debit Card when they wo n't have to replace it if that did n't allow unauthorized charges, fees, to be subtracted the account and they secure their member account your assistant with this is greatly appreciated. Please make sure this Credit is working according to United States Federal Regulation 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: SUNBELT CREDITXXXX XXXX XXXX, XXXXThis company provide me with the service of a personal loan I 'm purchased a couple of Insurances just in case to cover the loan is like life unemployment and etcetera I informed the financial situation about it me beign unemployed they will they said they will mail me the unemployment claim package they never did so they never submit that information to the insurance company for them to pay off the balance due to unemployment and since I pay for that insurance on the loan and I inform them but they never did anything about it I try to validate the account with them but the information that they send me does not meet the Federal Credit Reporting Act criteria 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested a XXXX XXXX XXXX XXXX Credit Card and was denied twice. First based on report from XXXX XXXX ; reason " Insufficient Credit History ''. Resubmitted and received report from Experian ; Reason " Unable to Verify Identifying Information ''. Credit score XXXX out of XXXX. XXXX See attachments ) 

Company response: Company chooses not to provide a public response
Consumer complaint: I just pulled up some info XXXX and noticed a company called, XXXX that has me with a balance Of {$1100.00}, from 2011, I have no idea of such a debt, and believe this is definitely an error.Thank You I really do n't use computers enough to do all the upload requiring, sorry. 

Company response: Company chooses not to provide a public response
Consumer complaint: Between the first and last weeks of XXXX, Medical Revenue Service, XXXX XXXX, XXXX, Florida XXXX called my work phone ( XXXX ) from XXXX approximately XXXX times. The specific dates I have noted for this XXXX # are XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX., XXXX XXXX at XXXX and XXXX XXXX at XXXX. However, I deleted the first XXXX or XXXX instances without making a record. In addition I received calls from XXXX also associated with Medical Revenue Service at my work phone on XX/XX/XXXX at XXXX. and XX/XX/XXXX at XXXX. 

In no case did Medical Revenue Service identify their business name, nor the purpose of the calls. I did not actually receive any of the calls because they were either made after business hours or I was not actually in my office to receive calls ( I took off most of XXXX on leave ). 

I have only figured out that these calls came from Medical Revenue Service because on XX/XX/XXXX I received a bill from them dated XX/XX/XXXX. The bill was originally for a date of service at XXXX XXXX Hospital from XX/XX/XXXX. I have called XXXX Hospital Billing, paid the bill, received a confirmation number from XXXX, and XXXX has informed me that they will notify Medical Revenue Service. I have separately filed a complaint against XXXX for never sending me an original bill back in XX/XX/XXXX. I had no idea that monies were owed until I received the collection letter. 

However, I want to file a complaint that Medical Revenue Service did not contact me appropriately. It is my understanding that collection agencies are not supposed to call places of employment. My message on my office phone clearly identifies the phone as a workplace phone. 

Company response: Company chooses not to provide a public response
Consumer complaint: Has the Attorney General 's Office investigated BSI Financial Services for unlawful practices, fraud..etc? Please take a look online under ripoff reports/BSI and please view what fellow Floridians are dealing with. My loan was with XXXX XXXX XXXX and I was approved for a trial modification which I made payments for a total of {$5.00}. The loan was then transferred to BSI Financial Services which they claim i defaulted on my trial modification and denied my Permanent Modification. I paid {$5200.00} and as you can see i do wish to keep my home and pay what I owe. I have an Attorney 's Office and they have been very helpful. Part 2 of this complaint is that my Attorney 's Office has requested a Payoff Statement from BSI since XXXX XXXX, 2015 and to this date it has not been provided. My Attorney 's Office requested the payoff statement from XXXX XXXX/BSI which then referred them to XXXX XXXX with XXXX XXXX XXXX. which is the Attorney 's Office for BSI. XXXX XXXX received the request on XXXX XXXX, 2015 but has failed to provide the Payoff Statement as he states he will check with his client or he does not respond to the emails requesting an update on the Payoff Statement. My Attorney 's Office received an email from XXXX XXXX/BSI inquiring about my intentions with the property which my Attorney 's Office replied that we are awaiting a Payoff Statement. His response was here is one from XXXX it 's close enough either I can pay or I ca n't pay in full. Can i get an updated Payoff statement? Is it that hard or difficult? My intentions are to fight for my property and I will. I will share my experience with BSI to everyone that I can. Now my question is ... can BSI provide me with an updated Payoff Statement? Attorney General XXXX - I want to save my home, I was approved for a trial modification which included XXXX payments that totaled {$3400.00} and I paid {$5200.00}. I do n't see how i defaulted. I paid more than they were even asking for and their mortgage statements are the statements that confused me on what to pay. I was just happy to be able to make a payment. Can BSI provide me with a Payoff Statement? I do n't need to explain my intentions as I am simply requesting my payoff figures so i can know what i owe the bank. Can you investigate BSI as i would hate for fellow Americans/Floridians to be dealing with what i am having to deal with? 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I sent a cease and desist letter to a medical debt collection agency for bills for my recently deceased husband which I ca n't afford to pay. A certified mail receipt payment was made and I never got a receipt back. Now I get 2 robo collection calls a day 4 days out of the week. I want the calls to stop. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have been trying to obtain a mortgage modification from Wells Fargo Bank since 2014 each time I have been denied. I have had XXXX loan processors and each one has denied me a modification. I have gone through Keep Your Home California and have been approved for programs such as mortgage principal reduction, mortgage reinstatement and Wells Fargo has continually denied Keep Your Home California from helping me. 

I have called Wells Fargo and told them of my difficulty in making my mortgage payments and Wells Fargo tells me that they have done the best for me that can be done. 

Company response: Company chooses not to provide a public response
Consumer complaint: I ended my contract with XXXX in XXXX 2014 and they still charged me a month 's fee even after I switched carriers and no longer had active service with XXXX. I do not owe this amount as my service was terminated. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is an account listed which is not verifiable and outdated XXXX past the statue. I have disputed several times and verification requested and no resolving. Please help with this XXXX XXXX account listed # XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Harris Bank electronically deleted a good faith trade line from my credit bureau before the XXXX year law expiration date. After speaking with Harris Bank, BMO on several occasions, I was giving misleading information as to how my credit score plummeted due to Harris BMO deleting a good faith trade-line before the XXXX year law expiration. My score went down from a XXXX score to the low to mid XXXX 's. I would like the trade-line reinserted by the creditor to protect my fair credit rights. My fair credit rights were violated according to the law. Harris Bank, BMO is fully aware of their actions. The initial trade-line was deleted due to XXXX Credit Bureau sending in a frivolous dispute, which I attest to the fact I never disputed. XXXX has sense so far reinserted the trade-line. Unfortunately, XXXX, and XXXX who shared the data analysis from XXXX is not following suit. 
Harris Bank is refusing to reinsert the good faith trade-line, knowing my fair credit rights were violated. It was stated to me by a Harris Bank, BMO employee a carbon copy was shared amongst XXXX, XXXX and XXXX damaging my credit worthiness as well as my credit score. Please investigate this matter thoroughly. Additionally, sending supporting documents attached. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to get a CT scan at the XXXX XXXX XXXX Hospital. They called the insurance company to get pre approval. I asked the woman who called the insurance company and she said yes you are approved. I further asked her if I owed anything and she said no. When I called the collections dept at XXXX the woman was belligerent and said well the woman never said you were covered 100 % - she quibbled over words but to me not owing anything and 100 % is a difference without distinction. The fact is that the lady who called the insurance company was an agent of the hospital. When I asked her professional opinion she gave me the wrong information. They are telling me I owe them XXXX which is unfair b/c had I known that I would owe my own money toward the service I never would have had it done. I am deeply troubled by their comments/attitude/lack of knowledge. If someone deals with insurance companies and are asked if they are 'covered ' and if I would owe anything than their answer should be able to be relied upon. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Account is not mine, I did not pay or have a collection balance with XXXX, I have current service and always pay on time. This is unverifiable and inaccurate data 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America Merchant Services is providing credit card services for my self employed business. They chose to send out a letter that if I did n't respond to, then I was agreeing to services from XXXX for some type of protection coverage. When I realized I was being charged for this I called Bank of America Merchant Services on XXXX/XXXX/15 and was told by XXXX with XXXX XXXX that they would credit my account for this service and credit me for the prior months that they had charged me {$19.00}. Again, this service that I HAD NOT SUBSCRIBED TO, according to them by omission of responding to a sales letter. When my Merchant Services statement came in this month, they charged me again for last month and had not credited anything from the past charges. I spoke with XXXX at XXXX on XXXX/XXXX/15 and was given an Opt Out Ticket number. I also called XXXX XXXX, VP, Senior Merchant Specialist XXXX and left a message of the problem and to this date I have not received a call back from him. I also called today XXXX/XXXX/15 the BOA Merchant Svcs XXXX, spoke to XXXX who transferred me to XXXX with XXXX XXXX who stated all fees have been refunded ( based on last month 's same verbal statement, I can assume this is another lie ). I asked for the name, address, and phone number of their credit card regulatory agency ( as stated on your webpage ) and XXXX nor XXXX could provide that for me. I was transferred to XXXX, a Supervisor @ XXXX and when asking for the credit card regulatory agency he gave me : BOA Merchant Services - Attn Legal Department - XXXX XXXX XXXX XXXX - Mail Code NCXXXX - XXXX, NC XXXX. I also called XXXX XXXX again today, only to be able to leave a voice mail. I request from this CFPB agency that you have Bank of America Merchant Services refund my charges of {$19.00} for 4 months and any additional months that they have deducted unauthorized funds from my Merchant Services Account. I request from CFPB that you STOP Bank of America from sending out letters that I am volunteering for services " if I do n't respond to their letter '' that I 'm not even aware that they are going to start deleting monies from my account. This is unprofessional, sneaky and unacceptable. I would also ask you to address this with any governing agency to STOP this type of behavior through our judicial system or advise me who I need to contact. THIS IS FINANCIAL HARRASSMENT. THIS IS UNACCEPTABLE. THIS IS STEALING FROM THEIR VERY OWN CUSTOMERS. All three individuals refused to give me the regulatory agency that Bank of America Merchant Services reports to, via IGNORANCE on this knowledge, another sneaky tactic to not have this reported. 

Company response: Company chooses not to provide a public response
Consumer complaint: wrote check to XXXX XXXX XXXX XXXX dated XXXX XXXX, check was cashed on the XXXX from my account at Bank of America, my payroll was deposited on the XXXX. I was charged a overdraft fee of {$35.00}, even though I do not have overdraft protection. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Bank of America XXXX XXXX XXXX XXXX credit card issued to me on XX/XX/XXXX. I have been using this credit card since the day I received it. On XX/XX/XXXX I received a letter from Bank of America saying they closed my account. I pay my monthly bill every month. Never been late on a payment. I had a total of XXXX reward points on my account. Bank of America is telling me since they closed the account that I ca n't redeemed my remaining reward points. They will not disclose to me on their reason for closing my account. Please help me on redeeming my remaining points. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was in contract with XXXX in XX/XX/XXXX. Their report is the most accurate. Currently, XX/XX/XXXX when purchasing Experian {$39.00} credit report I discovered the following : 1 ) Experian 's reporting misinformation of XXXX current late payments. I do not have any late payments. 2 ) In addition has duplicate creditors reporting the same debts. 3 ). And restarting the date of debt as of XX/XX/XXXX, that was previously deleted or resolved and due to fall off the report in XX/XX/XXXX. XXXX XXXX XXXX is an example. 
Secondly to print an Experian credit report the consumer has to download Adobe software. A XXXX that links to the consumers computer. The Adobe software is an internet download, which we all know is risky. In addition, Adobe is upselling product with a very confusing format. The process predigests consumers who do not wish to install an internet product and who do not have the most updated computers that are compatible with this function. I own a XX/XX/XXXX XXXX and still was unable to print the report ( even with the download ). After several calls to customer service it 's unresolved. Please contact me for the member id number as I want to submit a copy of the report for your review. 

Company response: Company chooses not to provide a public response
Consumer complaint: Berlin-Wheeler, Inc-MO is apparently a collection agency. They are reporting a {$50.00} collection from my primary care physician XXXX XXXX XXXX. My doctor requires all co-payments be made at the time of visit as this {$50.00} was paid. I 've returned to my physician many times since then and they have never inquired or requested {$50.00} as stated. The contact information from Berlin-Wheeler is XXXX. XXXX XXXX in XXXX XXXX, MO XXXX. XXXX : XXXX and use account # XXXX. Also use Address ID # XXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Representatives from " Alpha Recovery Corp '', which is a debt collection agency, call me multiple times every day. I do owe a debt, however they are not following the terms that they have previously agreed upon, as they have not sent me all of the information regarding my debt. They claim to have a XXXX page packet from the apartment company who gave my information to Alpha Recovery, however, I still have not seen it, several weeks after first hearing about this debt. 
I have been hung up on mid-conversation, badgered about how safe this arrangement is, told that I should not get legal advice, and been told that my tone was unnacceptable when I simply asked for more information than what had been provided. I was willing to pay the amount required, they agreed date of, payment has come and gone, and still no paperwork from them. They also refused to conduct any of this business by email, stating " we ca n't do that '' I then received an email from them with a single page of information as an attachment. So they have mislead me, lied to me, and been very rude throughout all conversations. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have contacted Enhanced Recover XXXX XXXX FLXXXX have mailed XXXX letters and numerous phone calls asking for information on a debt that is showing up on my credit report. I have even disputed it with the credit bureaus. I have not received a satisfactory answer. I have never had XXXX for anything. I asked for a signed contract showing my signature, the date of the service, time etc and nothing. I want this removed from all the credit bureaus, but nothing is happening with this collection agency. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I filed against Bank of America refused refund {$900.00} for unfair and deceptive overdraft practices. In addition, I do not satisfy with Monthly service fee {$.00} with unfit Oregon resident records. I do not interest in Bank of America within XXXX resident telling to U.S. Senators! 

Company response: Company chooses not to provide a public response
Consumer complaint: My house went foreclosure in 2009, had XXXX mortgages, XXXX mortgage said they served me letter to court which l never got, but later went to the count, it indicated that they had served my daughter who was XXXXyears then who were being watched by my mom who did not know english and it also showed that the house was sold already, and according to what l asked them when l was getting the loan they had said if am not able to pay they were to take the house and not garnish my wages.IT seems they passed it over to the creditors who are garnishing me, and yet when l talked to XXXX they said the loan was written off because they got bail out besides house was sold, and even the credit bureau states that it was deleted by the court and it is written off. so now is there any way l can get help, or should go ahead and file for bankruptcy, please help with better option, am single mom with XXXX kids struggling to make ends meet, and working really hard but this is killing me l need better solution than bankruptcy, because that means l can never get the cheap house for the kids in the next XXXX years, struggle is really and this is really for me please give me quick solution before plan for bankruptcy, Thanks, God bless America, please help. 

Company response: Company chooses not to provide a public response