AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: When I log into my Ally Bank account, it used to always send me a one-time login code to my email address. I always check 'this is a public computer ' so they will always require the code, as I sometimes have guests and would rather not have reason to suspect a guest if somebody hacks into my account. I also occasionally access my account from the public library. Recently, the last few times I 've logged in, it has NOT sent me a one-time login code to my email address, thereby increasing the chance that a guest, or somebody at the library, could hack into my account. I have contacted Ally several times, asking that they re-set my default login to requiring the one-time login code for my security. " do not EVER allow anyone including me to access my account without sending a confirmation email to my XXXXXXXXXXXX email address. I am on a public computer and will hold Ally responsible if there is any misuse of my account. This is the second time I am contacting Ally about this. If it happens again I will file a complaint with the CFPB. '' They responded that " we can not comply with this email verification process ''. Which is XXXX. Ally has previously required such email verification, and other online banks require it. There is no reason that Ally - an exclusively online bank, which should be at the forefront of internet security - can not do this ; they 've been requiring an emailed one-time verification code for as long as I 've been a customer there except for the past month or XXXX. Please encourage Ally to be more proactive in internet security and more responsive to customer needs by requiring such a code to be entered when I log in. Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 I refinance and paid-off my mortgage with LandHome Financial. My escrows impounds in amount of {$2500.00} has not been refunded to me. I called LandHome serveral times the past few weeks and was informed the was mailed, but no specifics were given. Please help me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I short saled my house last year located in XXXX, Florida.However, the reporting agency listed the short sale as a foreclosure. I attached the HUD statement and the deficiency letter issued to me by the bank as proof. 

Company response: Company chooses not to provide a public response
Consumer complaint: Automated system calls at various hours 7 days a week but when I answer there is a recording to call back, they are a debt collector. I have called back and been put on hold until I just hang up. I have no idea what they want or who they are. Our above number has been on the do-not-call registry since 2007. Additionally, we do n't have any debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I can not dispute the issue with the credit reporting agencies, I went through the FTC to get my XXXX annual reports I received the first XXXX from Trans Union and begin to dispute an incorrect issue after that each of the agencies including Trans Union challenged my identity. Sense my identity was already accepted by the FTC and by the agencies in question this is obviously a move designed to prevent people from improving their credit scores or from challenging corrupt corporate practices. The last time I did this I went through the process with free credit report.com back in 2003 never got a credit report from them either same answer disputed identity. If I am accepted as me in advance at all the questions when the process starts I 'm still me when it finishes! This used to be called stonewalling and although it requires a specific law for each form I 'll bet this is illegal. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America has been my personal Bank or many years. This is the first time I have experienced Bank of America sending me a new debit card to replace my old one. Due to what ever reason they had. I did not get warned of what may happen to my payments that are automatically deducted from the old debit card number. When they did this I noticed late notices coming in the mail and I had to take the time to go to the bank call all my utility companies and others that are on automatic pay which caused me a lot of a mess & time off work. I am still trying to call some of the companies that this happened to so now I have to pay double payments for there mistake due to the change of my debit card number without my consent. I hope in the future we can have a personal phone call of what there doing. Thank you XXXX XXXX XXXXXXXXXXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a call from a man who said he was Kay Jewlers but refused to give his name. He told me I had 2 hours to come up with {$75.00} or they would take legal action. They are repeatedly calling me all hours of the day from different numbers, calling my work repeatedly after being told I can not receive personal calls at work. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: On the year of 2014 i was charge on a business account in us bank the account number was XXXX XXXX they overcharge me even do i have the fund on the account they said because some checks that i deposited where not free to cash out or something like that i found this unfear because they also send me before to XXXX i try to undestand but i couldnt 

Company response: Company chooses not to provide a public response
Consumer complaint: I was scammed out a get money quick theme. He needed money sent to him through XXXX took nothing from me but the check was fraud and now I owe XXXX I have the number for the person he wo n't answer I called XXXX but I want my money back now. This is stressful 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The company called me asking me if I knew certain names I did not. They asked was my social XXXX it did not match mine! They have placed it on my credit report and the debt is not mine! 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have been battling with XXXX and XXXX, XXXX XXXX XXXX for over a year regarding a debt that is not mine. I continue receiving letters from XXXX, XXXX XXXX XXXX regarding same debt although I 've submitted documents to XXXX, XXXX XXXX XXXX proving that I DO NOT OWE said debt. These guys went as far as having my XXXX XXXX account frozen last year and I thought the issue was resolved once I submitted my documents. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have had my bank of america credit card ending in XXXX for year and have never been late. Bank of america sent me a letter on XXXX/XXXX/2015 that they are closing my personal account due to an issue with my business account. This has hurt me tremendously as my credit score has suffered due to this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: A few weeks ago I tried to place a credit freeze on my credit report. Transunion refused to do as I requested. I filed a complaint with the XXXX and their response stated that I never asked for a credit freeze. I had no problem with the other XXXX agencies. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A supposed law firm called my landlord claiming they 've been trying to reach me for weeks with no luck to serve me papers. My landlord notified me and gave me their number. I called them and this was my experience. I thought it was very strange that a law firm representative would be in at XXXX on a Friday XXXX. I thought I 'd get a recording. 
I heard a lot of background noise and the guy that answered said that he could n't give me specific information. He said he had called my relative, referring to my landlord, because he could n't get a hold of me. I pressed him about what he needed me for and how he tried to get a hold of me and he told me that be needed to put me on hold and transfer me to another " representative '' of the law firm. When I was transferred, the lady that answered told me I had to pay a certain amount by next Friday for a supposedly charged off credit card, otherwise thousands of dollars in fees would be added if it went to court. When I asked if she had documentation she could mail me she said she did n't have to. When I asked her if I could get reference numbers she said I could n't until I got " served ''. When I pressed her on being served she was very vague and said she guessed it had n't happened because of all the bad weather we 've been having and the bad weather headed our way. I got her name, phone number and told her I 'd call back Monday after I verified things. She then tried to scare me into paying tonight by saying I 'd be served at any time for failure to pay. Then she said if I called in Monday and paid, she could hold off on serving me. It scared me though how persistent she was and the fact that they called you all! They 've not been to my house at all. They 've sent me nothing in the mail either. 
I did n't catch the name of the supposed law firm either because he spoke so quickly and I remember it being kind of generic, like initials and then LLC. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, NC XXXX ; Cust. Serv. XXXX, acquired the mortgage on my rental property in XX/XX/XXXX. XX/XX/XXXX-XX/XX/XXXX, they requested proof of hazard insurance both by mail and by phone, which I provided. XX/XX/XXXX, I received another letter, telling me that XXXX would purchase a " forced '' hazard insurance policy XX/XX/XXXX, because I had not responded. At that time, I called XXXX again and re-sent the Hazard Insurance certificate via PDF/email. The representative on the phone verified that the certificate was received and the policy would not be needed. XX/XX/XXXX, I received a statement from XXXX, showing that {$3400.00} was credited back to my escrow account, as the charge for insurance was reversed when proof of insurance was provided. It appeared the matter was resolved. 

Then, on XXXX/XXXX/XXXX, I received a letter from XXXX stating that I had a " projected Low Escrow Balance '' and that on XX/XX/XXXX, my escrow balance would fall below XXXX. As such, my automatic payment would be adjusted to withdraw an additional {$140.00} per month to make up for the projected shortfall of XXXX. After speaking to XXXX uninformed and sarcastic representatives on the phone, I was informed that this charge was for lender placed hazard insurance. One employee explained it was because the Insurance company had only credited Roundpoint half of the XXXX charge from XX/XX/XXXX. The second employee told me that I had provided a policy that began on XX/XX/XXXX, and so XXXX needed to purchase insurance ( purportedly in arrears ) for XX/XX/XXXX - XX/XX/XXXX. Neither of these employees could explain why my forced lender policy was approximately 10 times the cost of my condo associations hazard insurance. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America misappropriated 2 months of XXXX of my properties/mortgage payments when they bought Countrywide. Ultimately, with the help from an attorney, the properties came out of default, my credit was cleared, or so I thought, and this was in 2010. Now, I 'm getting ready to refinance the XXXX properties in which I finally have equity, and the exact language on my credit report shows the following language : " Status/Details : This item was updated from our processing of your dispute in XXXX 2010. '' Of course, the new lender wants this off my credit report. So I called Bank of America who told me to write a letter, which I did, requesting them to have the credit agencies delete that language. I followed up with a phone call, indicated by the person I spoke to on the phone. He told me that the address I send the letter to ( overnight mail ) does n't have any phones, so I ca n't call them to follow up in XXXX XXXX. He ( XXXX ) is located in XXXX Arizona. I asked him ; " what can I do? '' He told me ... .you got it, " send a letter to the address in XXXX XXXX XXXX '' I told him I already did, and he then proceeded to tell me they 'll have to research it, and that this could take between 28 and 30 days ; which I do n't have. 
So, my question to you is : If Bank of America is requiring I pay everything on time, which I do, did, and would continue, how come they are n't available EVER to answer my request. 
I can not tell you how incredibly frustrating this is. I hope they all go under in my life time. Sick of banks and the power they hold over small, really good consumers like me. 

Now, my question to you, what can I do? What will you do? or ... ... should I just take another XXXX and forget about it? Eagerly awaiting your answer, 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX we bought a home and it was new construction. The county had not assessed the home yet for taxes so the lender used 1.25 % of our purchase price as an estimate. They collected three months of the estimated taxes and each month when we make our payment they were collecting {$490.00} for taxes. In our state taxes are due in XX/XX/XXXX and XX/XX/XXXX. The county had not updated our taxes by XX/XX/XXXX so I called the lender to see if they could release some of the escrowed taxes. They said they could n't until XXXX XXXX assessed the home and we got a statement. On XXXX/XXXX/XXXX we got our statement with our fully assessed taxes from the county. I contacted Evergreen Home Loans via email message on the website and phone. A rep told me she would submit the statement to the escrow department and it would be resolved in 3 days. I was never contacted again. I called back in on XXXX XXXX and a new rep helped me. She said the previous rep had never initiated anything but she would help me. She even looked up the statement with the county while on the phone with me. She told me it would be resolved and I would get a call in three days. Another three days went by and still no call. On XX/XX/XXXX I messaged them again via their website. This time the rep said they wo n't review until after the account is a year old, but they were making an exception. SHe said I was getting {$3200.00} and it would be here in 7 to 10 days. I asked her if my payment was changing also ( it should go down {$70.00} ) and she said no ... they wo n't change that until XX/XX/XXXX when the account is a year old. Then, she sent another message stating they were sending {$2800.00}, not {$3200.00}, they did their math wrong. When I messaged back asking if I could get an explanation or a phone number to call an escalation office she did not respond at all. 5 days later I got a generic message stating to call customer service with further questions. Today I looked at my account and they are showing my bi-annual taxes are {$2900.00}. They have been provided with my tax statement that clearly shows my bi-annual tax payments are {$2500.00}. They should be collecting now $ 418 monthly for taxes. As of today they are collecting {$490.00}. Previous to my submitting the statement the escrow info showed {$1.00} owed. Then they updated to the correct amount of {$2500.00}. Now they changed it to {$2900.00} for no apparent reason. My escrow balance is {$3800.00}. When I make my XX/XX/XXXX and XX/XX/XXXX payment the balance will be {$5500.00}. Taxes are due at {$2500.00}, and insurance is due at {$840.00}. Also I have PMI of {$290.00} per month. So on XXXX XXXX after everything is paid my balance will be {$1500.00}. Per HUD 's website they can only keep an overage of XXXX of my taxes and insurance amount due per year. ( XXXX x XXXX = {$930.00} ) So they should be returning an additional {$640.00} to me. I have yet to receive the {$2800.00} they claim they sent on XX/XX/XXXX, but I trust it is coming. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: XXXX is reporting inaccurate information in reference to XXXX XXXX account. I have disputed this account previously and it was deleted then later appeared. I contacted XXXX requesting information from the original creditor so that I could reach out to them, since I have n't done business with XXXX since 2006 and this gym is no longer located in my area. To date I have yet to receive anything from this company justifying as to why this old account is being reflected on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I co signed a car loan with my husband XXXX XXXX. He died XXXX XXXX they had repossessed the vehicle XXXX XXXX we both get a cancellation of that for XXXX that 's what we owed on the vehicle. if we were to file that it would be XXXX. i thought they were supposed to sell the vehicle and we would be responsible for the remaining balance, i sent XXXX of the XXXX 's but i could n't find the other XXXX in the same amount to XXXX XXXX 

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 modify my home loan five months and keep getting the run around. Every time I ask my representative if in fact he has all items requested, he states that he has everything then inn turn asks for more items or that he can not find the items. I was forced to file a bankruptcy due to their prolonged excuses. I am also entitled to a class action loan modification through Wells Fargo, which did bad ammoritized loans. I feel that they are trying to hold out so that they can foreclose on my loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: i have a mortgage loan through Pacific Union Financial. 
I have had the mortgage payment on automatic since XXXX 2014. 
My payment always get to Pacific Union 2 week before the XXXX of the month. 
The has been NO interruption. 
There are months on their record where my payment was either applied to the wrong account, not applied at all, or never received. 
As a result of their accounting, Pacific Union is asking me for new inflated monthly mortgage payment. 
Their accounting has caused my account to have an escrow shortage that they want me to pay. They either have very bad accounting, they are hoping I do n't challenge them or there is a thief in their organization somewhere. 
Either way they have my account in disarray. 
For the record, I am not against suing them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I called Sallie Mae to try and get options for repaying my student loans. Currently, I am unable to pay them, as they are over half my monthly salary. I am trying to do the right thing, but they are not willing to work with me for repayment. I want my student loans completely erased. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2015 I submitted a wire transfer through Wells Fargo Bank to a hotel in XXXX. Wells Fargo was given the name of the bank and the account number in XXXX. The transfer said the beneficiaries account would be credited on or before XXXX XXXX. This did not happen. After XXXX XXXX, I was contacted by Wells Fargo and told to have the beneficiary take a form ( that did not reference the transfer ) to the intermediary bank in XXXX. When I sent the form to my beneficiary they refused to go to the intermediary bank and asked why their account had not been credited. When I contacted Wells Fargo 's international department they stated that the intermediary bank merely wanted the beneficiary 's email address and phone number. This was completely inconsistent with their earlier instructions. Because my arrangement with the beneficiary has fallen through due to the failure of Wells Fargo and their intermediary agent, I have asked for the return of all of my funds from Wells Fargo. This they have refused to do, insisting on keeping their fee and charging me for XXXX currency conversions. 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit Adjustment Board contact me in reference to a {$140.00} medical bill that I owe and I told them im unemployed and made arrangements with the dr office directly and was going to pay them directly and was basically cursed out and told she was going to list my file as a refusal to pay and send it to the courts. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I was scammed on my XXXX credit card by someone I met on line at a dating site called XXXX. I have sent all this information to XXXX Credit Card and they will not forgive the amount of money I was scammed. I live only on Social Security and can barely make ends meet. XXXX has been harassing me for this money and they have turned me over to a debt collection agency. I have reported this to my local police department, Internet Crime Complaint Center, the Federal Trade Commission, And now to you the CFPB. 

Company response: Company chooses not to provide a public response
Consumer complaint: My home is in foreclosure. Im trying to do a short sale and Wells Fargo is a second lien holder of which the debt was discharged in XX/XX/XXXX, I received a XXXX C - Cancellation of Debt and filed it with my taxes. They still have the lien on the property and have marked it as of XXXX XXXX. XXXX in a permanent uncollectable status. I now have a Contract of Sale am trying to do a short sale and Wells Fargo is refusing to allow any payment ( which none is available anyway its a short sale ) and refusing to release the lien even though it has been charged off. They are making me loose the Buyer for my home for no reason whatsoever. This was a discharged debt by the Bankruptcy Court in XX/XX/XXXX which should have been discharged and never was and as stated above, has been marked uncollectable. They have NO REASON not to release it. 

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