AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have had my cell phone number for 5+ yrs and suddenly started to get collection calls for someone I do not know. At first I was understanding and simply notified Barclay 's card XXXX that they had wrong number and to update and remove my number. Barclay 's card of XXXX always say they will comply with my request to remove my number and stop calling me. I currently get calls from Barclay 's every other day and I receive harassment regularly. I had to threaten FTC involvement just to get them to tell me who they are. they then told me they wo n't stop because they use auto dialer. I have received over 30 calls from them and asked to be left alone, however, they say that they will not stop because they do n't have my number as a primary number. They advised me that the unwanted calls will continue even through they acknowledge that they are calling the wrong person. This is incredible to me.CAN SOMEBODY PLEASE GET BARCLAY 'S CARD USA TO STOP CALLING MY PHONE AT XXXX AND THROUGHOUT THE DAY LOOKING FOR SOMEONE I DO NOT KNOW? 
I ca n't understand why they have a policy of refusing to identify themselves unless threatened with legal action. And i thought auto dialers were illegal in California? I ca n't understand how Barclay 's Card XXXX would tell me that they wo n't stop calling me because they ca n't find my account ( I NEVER HAD XXXX ) and this is somehow my fault this issue is happening. 
I really need help here ... .30+ calls and counting up to and including as i am writing this letter with them saying they wo n't stop is unacceptable harassment. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I bank with Regions bank. I overdrew my account by {$26.00} purposely to get gas to go to work until payday on XXXX. XXXX. I expected this. On XXXX XXXX I checked my account on the regions bank mobile app it was negative {$210.00}. I was enraged. I immediately called the bank. The CSRs brushed the situation off saying there was nothing they could do. I had to get out of my character just to talk to a manager. He was also rude accused me of lying and opting in to overdraft coverage to take money when I did n't have it. I exploded, I was insulted I have been with this bank for at least XXXX years and never felt so disrespected. He finally agreed to refund {$100.00} of the fees and said he would notate the account so they would not credit the rest of my fees. I told him I would be in contact with my lawyer and hung up the phone. They rearrange transactions to take money from their customers. All of the dates on my transactions changed to reflect negatively and overdraft my account. This is flat out robbery!! 

Company response: Company chooses not to provide a public response
Consumer complaint: Our house went up in smoke in XXXX 2009, after a year and a half, we put the property up for sale with a signed contract with a Realtor. The balance was suppose to be paid off with the Insurance money put into a separate account. The mortgage Company XXXX refused to move it to the payoff, because the left hand knew nothing about the right hand. It put us in a negative for 3 consecutive months, after several calls to the Insurance Department and doing exactly as they asked us to do after each and every call. They found the error and corrected it, and apologized for their mistake. They also charged us {$30.00} for each and every time the Title Company called for a payoff balance. 8 months later we were notified that the original mortgagor GMAC XXXX filed for Chapter XXXX. When the new mortgagor took over XXXX XXXX XXXX, they only had the paperwork for the loan which reflected only the 90 days late and nothing else. We keep disputing it and get nowhere. This also reflects a 30 day late with our Equity line of credit XXXX. We wanted a 30 day close on the property but because of the mishap with XXXX it reflects XXXX. We want it changed on our Credit Reports is all. We are not asking for it to be removed just changed to reflect a positive, because we were on time each and every month for the 32 years we had the loan with XXXX while they were our XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: All XXXX credit agencies have incorrect information regarding my current address. They also do not have an accurate history of my employment. XXXX has not been updated since XX/XX/XXXX. It is difficult to say how these inaccuracies are influencing my credit score. While I have a rating of XXXX on XXXX, I have XXXX on TransUnion and XXXX on XXXX. ( In XX/XX/XXXX it was between XXXX and XXXX. XXXX is the most accurate. ) The gap is significant and without question will affect my ability to apply for loans and credit cards, as well as seek employment. I only have XXXX account with a potentially negative report, due to a late payment in XXXX XXXX. Other than that, there is nothing that should negatively effect and cause a significant drop. 

Company response: Company chooses not to provide a public response
Consumer complaint: My account is being handled by XXXX XXXX XXXX XXXX and is being reported as over 90 days late. Trying to have reported as current and willing to pay to bring under 90 days and receive proof via fax by Barcley Bank is not being done, transfered and given differant information. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was an XXXX for a company and 17 months after starting with them. They ran a credit report on me without telling me an without my authorization. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is my 2nd complaint to the CFPB on Bank Of America ... My Home Modification that was offered is a Predatory Loan. BOA conducted a appraisal on the home with the value being {$200000.00} they are offering me a modification of {$360000.00} which is over the market value of the area. I have sent and appealed numerous times. I signed the loan offer under distress because I am tired they are charging me the back fees on the loan which the original amount was {$250000.00} and I filed a chapter XXXX bankruptcy which has been discharged for the pass balance or the total balance for that matter and I keep explaining that to them. So now they have sold the loan and they keep resending the paper work and wo n't accept it because I put under distress under my signature. This is very wrong ... I am trying to keep my home, I have made all the trial payments and feel like my hands are tied, but I do n't think this is a proper practice when they are selling the exact same homes for {$190000.00}. It is highway robbery!!! They should not be able to take advantage of the middle working class. I fell behind on the mortgage because my husband picked up and left without notice and the payments where already behind and I was unaware, then I found out that I was pregnant and I could n't afford the mortgage payment on my own. So if the house was never worth {$360000.00} and the current value is only {$200000.00} and they are selling between $ XXXX {$190000.00} how will I ever come from under that? I have sent comparable listings, their listings, and their appraisal that they ordered and they are still requesting that I sign into this loan. I have XXXX young children and do n't want to start over. They are putting the balance on the end of the loan as a balloon and restarting the loan on a 40 year term to make the payments affordable. But I feel that this is unjust and that a bank as big as Bank of America should not treat people this way. If I moved they would only get {$190000.00} for this property on top of have to spend between $ XXXX {$20000.00} to make it move In ready. I need help ... .. 

Company response: Company chooses not to provide a public response
Consumer complaint: My account was charged overdraft fees for several years without my consent into the program. When I learnt of the Cfpb rule on this practice, I contacted the bank to show me the single page opt-in consent form that I should have signed according to the cfpb rule but they could n't. 

Company response: Company chooses not to provide a public response
Consumer complaint: After citibank pulled out of MA, I called the customer support line to have my account closed and mail me the check on XXXX XXXX, 2016. I was told that would take 5-7 business days. However, after 2 weeks not receiving the check, I called again on XXXX XXXX, I was told check was mailed out on XXXX XXXX, but they mailed to my old address, which I do n't understand because I have been receiving citibank statements in my new address for a few months already. I asked them to stop the old check and reissue me a new XXXX to my new address, which I gave to them over the phone. They said ok. However, after two weeks, I still have not received it, so I called again on XXXX XXXX, asking them to stop the old check and re-issue me a new one to my new address. I have to give them my new address one more time over the phone, since their database still seemed to have just the old one. Again, they asked me to wait for 5-7 Business days. Still no check, so I called again on XXXX XXXX, repeat the same thing, being told the same. Again, on XXXX XXXX, I called, repeated the same thing again, being told the same again. However, on XXXX XXXX, when I called again, I was told, " we have sent you the check on XXXX XXXX, and you have cashed it on XXXX XXXX ''. I said I never received the check, how can I have cashed it? then the person said, " well, if you have not cashed it, you will need to prove to us you did not cash it ''. That made me really mad. 
What kind of customer service is that? 
I have been calling so many times, saying I have not received the check, now you are saying I have actually cashed the check? 
I asked them to send me a copy of the check, which they did. 
The check was not signed. 
How could citibank release fund when the check was not signed? I asked. 
the person said, " well, if that was your own account, we did not require you to sign it to cash it. " How ridiculous is this? 
Now they have handed me over to their Dispute Department, because it was a " dispute amount '' according to them. 
I think there are so many mistakes they have made : 1 ) Sent the check to my old address while my statements are sent to my new address. why they did not check my most-up-date address while issuing the check? 
2 ) customer service is not doing their job at all, as there was plenty time to stop the check. ( recall the check was cashed on XXXX XXXX, and I have called twice in XXXX to ask stop the old check and send a new one ) 3 ) Some people in Customer Service is not professional at all with that kind of remarks and tone. 
4 ) Citibank has huge security flaw, how can the fund with amount of $ XXXX be released without the check being signed with ID verification? 
5 ) It should be so easy for citibank to follow through this check and see where/who has cashed it. yet, now instead they want me to prove to them I did not cash it by post mail me the Affidavit, which could take at least another week to arrive. 
What bureaucracy is this? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been paying my SEARS credit card on-line for the last year. I took the electronic statements to save paper. Now I can not log into my account. The web site just hangs. I called them up and they stated that the account might be corrupt but they ca n't fix it. How am I suppose to pay for an account that I ca n't access and they ca n't fix? I no longer get printed statements so this is XXXX. Tell Citibank/SEARS to fix their system so I can make the payment I was making. 

Company response: Company chooses not to provide a public response
Consumer complaint: We received a settlement offer letter. We accepted the settlement and paid the amount in full in a single transaction. Collection agency for Citibank - Sears Card was XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MO XXXX. We continued to receive balance billing with interest from Sears. Contacted Sears who referred me back to XXXX. Several transfers and long hold times. XXXX was helpful in offering to provide a " paid in full '' notice, but Citibank refuses to review or provide any assistance. 

Company response: Company chooses not to provide a public response
Consumer complaint: I financed a vehicle through AFS on XXXX/XXXX/2014, with a loan agreement of {$13000.00} owed at a 19.95 % finance rate. I made 16 payments on this vehicle, totaling close to {$7000.00}, and was in a car accident and the vehicle was totaled. My insurance company paid AFS {$10000.00}, making the total amount paid on this loan over {$21000.00}, with it being reported that over {$6500.00} was paid towards interest. I paid off this vehicle in 16 months when it was a 50 month loan and it specifically states in the documentation that there is no penalty for paying off the vehicle sooner. Given the fact that I made payments of {$400.00} each month, for 16 months always on time and the total paid by my insurance company being over {$10000.00}, AFS charged me a finance percentage rate of nearly 50 %, when it should have stayed the 19.95 per our contract. I am owed at least {$3500.00} according to their own record keeping and contracts I had signed when purchasing the car. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a XXXX XXXX American Express credit card invitation in the mail. I applied on line and fulfilled the purchase requirement for an additional {$300.00} bonus. The paperwork stated to wait 6 to 8 weeks after the {$2000.00} purchase threshold was met to receive the bonus. When I did not I called customer service. I was told I was not eligible with an explanation that made no sense. Please help. Thanks 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: continued attempt to collect the debt which is not mine, also hitting using various sources in different names, heading and hitting my credit history via credit reporting agency. 

Company response: Company chooses not to provide a public response
Consumer complaint: They have been calling me stating that they are going to be serving me with papers. I tried to contact them back and was basically told that I needed to pay {$1200.00} by debit or credit card over the phone. I asked for proof and was denied. They will not give you any information other than the company name, Lionstone Holdings Group and that it 's a " XXXX XXXX '' office. They say that it 's a legal office and it 's not. Their tactics are to scare and get people to pay something that they are not even contractually collecting on. They do not recite the FDCPA or follow any guidelines. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian does not have any account reporting for my XXXX XXXX accounts. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We have paid our mortgage payment each month in full. Our next payment is supposed to be due on XXXX XXXX, XXXX. 
We had recently did a recast of our loan ( an incentive offered by the Treasury department for always being current with our XXXX XXXX ) I understand that it might take a few days for your system to be updated, however when I logged in to my ditech account .It is stating I am 78 days behind. There are unapplied funds ( my XXXX, XXXX and XXXX payments ) just sitting there and nobody is updating the system to reflect I am current. The system is saying I owe {$4100.00} ( XXXX payments ) and is due XXXX XXXX, XXXX. This is incorrect as I am current on my mortgage and not even one day late. 

I spoke to loss mitigation and they told me to be patient until my recast is updated, but in the meantime I am getting nasty collection calls even though I am not late. I am requesting that these unapplied funds be released immediately to reflect my status as current. I am also trying to make sure that I am not being reported late to the credit bureaus. 

If you look at my payment history you will see I 've made my payments on time every month. I am constantly getting the run around when I call. My account rep does n't return my calls, and because I am in a late status my phone calls go right to her voicemail. I need someone at ditech to manually go into their system and update my status as current and release my unapplied funds. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a letter from Credit Protection Association in XXXX regarding a debt that they claimed that I owed in New York on a debt that I am not familiar with. I responded to their letter within the 30 day period asking them to verify the validity of the debt. I did not hear anything from Credit Protection Agency until I noticed that my credit report showed a collection in the amount of {$10000.00} stating that I owe this debt. I have not received any documents to this date that this debt is mine and I do n't think they have the right to place it on my report, reporting a current opening date of XXXX 2015. Even the opening date on the credit report was placed on my report before I received the letter in XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This debt was included in a Chapter XXXX Bankruptcy and the loan was not reaffirmed nor would the Judge of the Bankruptcy grant a reaffirmation because of the balance. They tried to do a loan modification with me and put me on trial payments, I have {$4800.00} sitting in a Suspense account that they have not applied to my account that i had with them. I have asked that funds be returned to me from U.S. Bank Home Mortgage and they are refusing to return the funds to me. This debt was discharged in my Bankruptcy back in 2012. I spoke with a guy named XXXX I was told that they call him XXXX, who was very rude about the situation, and point blank told me that I was n't going to get the funds back from U.S. Bank and they I should have never sent them in. U.S.Bank is in litigation in the United States District Court for the XXXX District of Florida Case No. XXXX, for charging people for placing Hazard, Flood, Flood Gap, or Wind place Insurance policies on Consumer 's residential property. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Coastal Credit LLC ( XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX XXXXXXXXXXXX ) has refused to let me pay off my vehicle and report to the credit bureaus that it has been paid. They said they will not provide me with a letter saying that it will be paid. I want to know that if I make this final payment that it will be reported to the credit bureaus. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: My wife and I bought a house in XXXX XXXX ; the closing took place in XXXX XXXX, XXXX. At that time, our monthly payment was calculated at {$2200.00}, with our first payment being due on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, we received a letter from Flagstar Bank that our monthly payment would increase to {$3700.00} because they had miscalculated the property taxes and insurance. We tried to negotiate with the bank that we could not pay the increased amount, but the bank refused to negotiate with us. We continued to pay the agreed upon monthly payment of {$2200.00} until XXXX XXXX, XXXX, when our payment was returned to us. We also received a check in the mail for {$3000.00} with no explanation. We have been unable to reach anyone at the bank since that time, we have no idea what the status of the account it, we never received foreclosure paperwork, and it is showing up as a negative account on our credit reports. Also, this was a VA Loan, and if it goes into foreclosure, we will lose our VA Loan benefit for future purposes. I was told by a legal assistance attorney at a XXXX XXXX Assistance Office that my rights under the Real Estate Settlement Procedures Act may have been violated, specifically, that the bank was supposed to make a good faith effort to estimate the fees associated with the property at the time of the purchase contract, that they were supposed to give us an actual estimate of the expenses 3 days prior to closing, and that they may have violated the law with regard to the escrow account. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I purchased furniture from XXXX and all the furniture is broken and defective now. I have n't had the furniture for a year, but the furniture is all broke and defective. I received furniture of poor quality and materials. I was charged {$4000.00} for the future. I sent a complaint to Wells Fargo and XXXX XXXX back in XXXX 2015. I received a letter from Wells Fargo Financial National Bank on XXXX XXXX, 2015, in regards to my complaint. Wells Fargo Financial National Bank informed me, my disputed charge, was valid. Review Consumer Financial Protection Bureau Case # : XXXX. I want Wells Fargo Financial National Bank to issue me a credit of {$4000.00} and send me a new card as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent Experian a certified mail request for METHOD OF VERIFICATION form which I will attach for the following accounts that do not belong to me. The accounts are : XXXX XXXX, XXXX XXXX XXXX conn, XXXX XXXX, applied bank, and cbna sears all which do not belong to me and the response was that it was " verified ''. According to my METHOD OF VERIFICATION form they did not send the requested information to verify these accounts. I also disputed a BANKRUPTCY which I called Experian and spoke with a representative who put me on hold to call the courts in XXXX Ohio only to find out they do not give out information on the phone but still did not verify the BANKRUPTCY but in there results they put " REMAINS ''. None of these accounts were verified Experian have not verified these accounts. I sent the METHOD OF VERIFICATION form certified and I have receipt to show and I can email a copy of the receipt to Consumerfinance.gov if requested. I HAVE ATTACHED THE FORM THAT I SENT CERTIFIED TO EXPERIAN. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have asked Sears/Citi Bank for a long time to remove these late payments. At the end of XXXX they Sears/Citi Bank said I was such a great customer that I did not have to make any payment for the first 3 months of XXXX. As you can see from the prior and post payment history, I was never late paying this credit card. 

So I took advantage of the offer and look what happened? 

Now they ca n't even report it correctly? Every bureau is reporting a totally different and inaccurate payment history. So either remove the fictiticous late payments or remove the entire error ridden account. But do something according to the FCRA & FCBA laws!!! 

Company response: Company chooses not to provide a public response