AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: They not only THREATENED to sue me on debt that is too old to be sued on, THEY IN FACT DID. Gemini Capital Group, LLC and their attorney XXXX XXXX ( XXXX, CO ) actively pursed a lawsuit against me on a debt they knew to be a Time-Barred Debt. The debt was a credit card account Gemini had purchased that was originally a credit card from XXXX XXXX XXXX. They completely disregarded the Federal and State Laws on debt collection practices, harassed me in XXXX County Court in Colorado, and attempted to even illegally obtain a judgement against me in XXXX County Court. I had to fight them for approx. a year against their illegal practices, and if I did n't, they were stampeding their way through the County Court in XXXX County Colorado with complete disregard of the FDCPA. In fact, they almost got away with obtaining a judgment against me, illegally so, except by shear happenstance of me learning of their activities within a XXXX Report I had acquired for other informational purposes. I was then forced to hire a lawyer to protect me from their pursuit of extorting monies from me for time-barred debt. They simply were n't going to back-off until they could bully me into paying monies that they were attempting to extort from me. They have a total disregard and cavalier attitude in regard to the FDCPA, and fully believe they can bully monies by their `` XXXX '' activities by misusing county courts to file lawsuits that are wrongful against consumers thinking they are above the law and can commit this criminal activity against naive consumers, out-lawyering consumers, and willfully and wantonly ignoring federal and state debt collection practice acts and laws that are in place to protect consumers. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Cable service was established in XXXX, Pa. using my mother 's I.D ... We have never lived in Pa. We are just now discovering this matter. We received a debt collection notice from a collection agency on behalf of the cable provider. This is truly a case of I.D . fraud. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had to make a decision to get my house refinanced due to the unexpected death of my mother 3 months ago. Freedom Mortgage has been my mortgage company for 3 years since I have bought my house and I am finding out the hard way that this is the worst company ever to gone through especially with the state of mind I am at right now. My mother dying 3 months ago forcefully made me have to get my house refinanced to help me out financially because I would had not refinanced my house with just 3 years of being in it. It is been over 3 months now and all I am doing is a consolidation loan not an overly large amount either ... today I am still waiting ... ..the stress of the company because of thier incompetence has almost put me into the hospital. I am still grieving my mom and having to deal with this for over 3 months to be approved because people do not know what they are doing is unacceptable and unprofessional. I was told yesterday my funds would be released again thinking this is finally over with and I just found out they are not. So here again I have to call Freedom Mortgage again and deal with them. This has been a very bad nightmare for me on top of me losing my mom. I have had XXXX aunts that started the same time I did with XXXX XXXX and they have been approved and already received thier funds and closed on their houses. Here it is 3 months and I am still waiting. I would have went somewhere else but I had already invested months of my time into them and was told my file was going back for review going back for review and everything was ok and then something else came back then come to find the underwriter did n't know what she was doing and nobody is on the same page either. I have not talked to XXXX different people since this has started. I finally got approved a couple of weeks ago, which from anyone I talk too even the notary that came to my house said nobody should have to wait 3 months to get thier house refinanced. As if today because an error again on someone 's part from Freedom Mortgage I still have not had my funds released to me to pay off my lenders, which I was told 24 hours and now it will not be 24 hours. I need to bring the company to someone 's attention due to thier negliegence, incompetence and unprofessionalism on thier part. The only reason I even went with them is because they have been my mortgage company for the last 3 years ... ..big big mistake!!!! If you have the opportunity to go through another company do it! I do n't want anyone else to have to go through emotionally what they have put me through! 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a checking account online with Popular Bank - during the process I linked the new account with my current account and in order to verify they made test deposits into my account but according to my bank they are pulling my funds as opposed to doing a test deposit. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX, my mother obtained a Pick-a-Payment loan with XXXX XXXX/Wachovia. Shortly thereafter, I believe it was XX/XX/XXXX, a class action suit was brought against XXXX XXXX/Wachovia as such a loan was illegal. As part of the required settlement agreement, mortgage lenders were supposed to work with the homeowners to modify their mortgage loans. My mother has since passed away and left the property to me as listed in her Living Will. Wells Fargo has since taken over the XXXX XXXX/Wachovia mortgage loans. They refuse to modify my loan and or change it into my name. 

Company response: Company chooses not to provide a public response
Consumer complaint: Keep calling and they have been told that I am the co-signer and can not pay this loan repeated times and that they need to quit calling and that I am an XXXX year old man living on Social Security. It is affecting my health. Just keep calling and harassing me and telling me that they are going to file a law suit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a business account with Bank of America and as I was reviewing my account on line I realized that some company debited my account 3 times for a total of {$590.00} from my account with out my authorization. I called B o A and file a claim, and received a temp. credit for {$590.00}. Now B of A is sending me a letter telling me that they have made the decision of charging me back the {$590.00} because the charges are valid. I called two weeks ago and requested to speak with some one regarding this issue. I told them that I never authorized those charges. Today I received a second letter telling me that again they are charging back the {$590.00}. I requested again to speak with some one and I was told that some one may call me back but that it was not for sure. 

Company response: Company chooses not to provide a public response
Consumer complaint: A rep ( Assistant Director of Operations of the Process and Warrant Division ) from Coastal Financial Solutions called and left me a voicemail stating that there are allegations of fraud under my name and social security number that they had tried numerous times to talk to me about my loan debt, and that since this has n't been resolved outside of court and if it was n't resolved within 24 hours, that they would send my case back to my county for further processing to be scheduled. He said that if I want to get this resolved out of court I had only until XXXX EST to call him back. At this point, this was the first I had heard from them. If they had called previously, they did n't leave a message. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A rep ( Assistant Director of Operations of the Process and Warrant Division ) from XXXX XXXX XXXX called and left me a voicemail stating that there are allegations of fraud under my name and social security number that they had tried numerous times to talk to me about my loan debt, and that since this has n't been resolved outside of court and if it was n't resolved within 24 hours, that they would send my case back to my county for further processing to be scheduled. He said that if I want to get this resolved out of court I had only until XXXX EST to call him back. At this point, this was the first I had heard from them. If they had called previously, they did n't leave a message. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Last XXXX XXXX at around XXXX in the afternoon i drop by at the Union Bank in XXXX XXXX XXXX XXXX to do deposit of XXXX because i issue a check to my Landlord worth XXXX after a day my Landlord called me and she say, i dont have enought fun so i'lll go back to the bank to check what happen to my monney, i 'm surpriise because the bank is already closed, i 'll go toother bank branch nearby in XXXX XXXX XXXX. XXXX i talk to Vice President XXXX XXXX i said " can you pleased verify the XXXX XXXX XXXX '' he answer i can, because the bank is already closed i give you a call when i verify the camera, after a day he call me and he said i can not see the money i surprised what he said because im sure i deposit XXXX for may cheacking account not XXXX Sir, Ma'am plesse imvestigate this annomaly of this Union Bank im so stress i lost everything to me because of thiis, thanks in advance and may XXXX bless you all. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made arrangements with XXXX bank that during the months of XXXX through XXXX I would pay XXXX per certain months that my account would be listed as current. This is in regard to credit card XXXX XXXX XXXX XXXX my account should be listed current XXXX through XXXX XXXX. I called XXXX and they agree and told me to dispute this my email address is XXXXXXXXXXXX phone XXXX please reach out and tell me what I need to do 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been receiving poor customer service from Bank of America the whole time they have been my mortgage loan lender. I purchased my home on XXXX for {$610000.00}, which was split into XXXX loans- {$490000.00} and {$120000.00}. Within a year of purchase I unfortunately was going thru divorce and bankruptcy ( Chapter XXXX ) proceedings ; both concluded in XXXX XXXX. I also had initiated a mortgage loan modification prior to the Court granting the Chapter XXXX Bankruptcy in XXXX XXXX. My mortgage loans were included in the approved bankruptcy. However, Bank Of America did not grant any loan forgiveness or principal reduction. Much later, on XXXX XXXX, XXXX, a loan medication was approved by Bank of America consisting of adding late and penalty fees to my initial XXXX principal mortgage loan of {$490000.00} mortgage loan resulting in a {$28000.00} increase ; XXXX principal balance of {$520000.00}. The terms included an adjustable interest rate change for the following 8 years from 2 % to 5 % and a balloon loan of {$140000.00}. Bank of America was threatening to foreclose my property and out of fear I agreed on the outrageous loan modification. In XXXX XXXX, I requested a loan modification, which was denied on XXXX. 
As of XXXX XXXX, XXXX, I have received a yearly mortgage loan payment rate increase, which has caused me significant financial hardship and to accrue a lot of debt. On XXXX, I advocated for principal loan balance reduction, as I had calculated that I had paid almost {$300000.00} between the XXXX mortgage loans ; however, my mortgage loans only had a {$22000.00} balance reduction. My pleas and supportive evidence were ignored and I did not receive a principal mortgage loan reduction, interest rate reduction, and/or monthly payment reduction. 
At this time, after a nine year period of paying my mortgage, my balance of loan is {$440000.00} ; only {$44000.00} ( 8.9 % ) decrease in nine years. I am not at all close to paying 30 % of this mortgage loan, which is due to how Bank of America has processed my mortgage loan and their unwillingness for a reasonable loan modification despite this debt being included in my bankruptcy. 
In less than a month, my mortgage payment will increase from {$2700.00} to {$2900.00} and I am not sure how I am going to be able to pay my mortgage on a monthly basis. If I would have been granted a reasonable modification, I would not be having this severe hardship. 

Company response: Company chooses not to provide a public response
Consumer complaint: RE : Case # XXXXI did receive a letter from XXXX XXXX XXXX at Performant Recovery. It did not include another XXXX as stated in letter. I again faxed him the copies of all the correspondence, which included financial information and I mailed a hard copy to the address on his letterhead with a proposal of a payment plan. I asked again fora written response. This was onl XX/XX/2015 and now it 's XX/XX/2015. So my credit is still suffering and I 'm making payment and accruing interest and penalties. 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt collection agency has filed a XXXX on XXXX 2015 for the amount of {$3200.00} now they are trying to garnish my wadges but the amount they are claiming is now {$3900.00}. This is getting to be ridiculus. They are changing amounts and now they have the writ and are trying to garnish my wages. I need for them to just set up a payment plan but they want even negoiate any terms with me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was hospitalized for a life threatening condition. When I checked into the hospital I provided my VA information and VA card. 

When I checked out 8 days later I again provided my VA card and information. All bills were to be submitted to the VA within 90 days of discharge. XXXX XXXX XXXX failed to do so and instead waited until late XXXX to submit the bill to the VA. As the VA Voucher was closed after 90 days the VA rejected the bill and informed me that, due to XXXX failure to exercise due diligence in their billing practice neither the VA nor I were liable for the bill. I am a XXXX vet ( service connected ) and live on my Social Security. I have no means to pay a bill that should have been submitted properly to receive payment from the VA. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX, a US Bank representative contacted me about my XXXX XXXX card with them and offered me a XXXX plus card. He stated they had a balance transfer option with 0 % APR that would save me a lot of money by transferring my Plus balance to. I informed him at that time, I was looking for a vehicle and did n't want a hard inquiry on my credit, so I would apply online after my search as I had a lot of home improvement projects coming up I 'd like to put on credit. In XXXX, I went ahead and applied for the Flex Plus and was instantly approved, I went through the motions of a balance transfer and my Cash Plus was not available as an option. SO I called and spoke with XXXX at their XXXX number and she told me I could get around the issue by going to my online account, selecting my card, entering the promo code XXXX and entering MYSELF as a payee. She said then funds would be sent to my checking account, at which time I could use them to pay off my current XXXX XXXX card and essentially get the balance transfer done that way. I thanked her, and when I went online to do it, I entered the info as she directed. I then received a notice in the mail that it was denied because I was an invalid payee. I called back and was informed they would not honor the balance transfer that I was promised, so I requested due to false and misleading information provided to induce me to apply and result in a hard inquiry on my credit, they close the account, and remove the inquiry. I was told a manager would call me back. No one called back after 3 days, I called in and was left on hold for more than 25 minutes. I called again and I was informed that the managers would call back. I explained i t had been nearly a week and no one was responding, she said it could take 3-5 business days. That time had passed. It has now been nearly 3 weeks and US bank refuses to respond to their deceptive practices that resulted in a XXXX point drop in my credit score which was XXXX at the time of my application and dropped to XXXX when I was approved. Had I known they would not honor the PROMISED balance transfer of my {$2000.00} balance on my Plus card, I never would have applied as my current plus card has a XXXX limit. My ONLY motivation for applying was the misleading and false solicitation by US bank promising me a balance transfer of 0 % APR on transfers and purchases for the first 12 months. I would like US bank to honor their original DOCUMENTED promise of a balance transfer, or, in the alternative, refund interest from last month on my current card and apply an interest freeze for 11 months to honor their original offer and promise of this promotional rate. US bank has violated the CARD Act and I am harmed by their intentional misrepresentations and refusal to mitigate or even respond to my complaint. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a XXXX dollar bill on credit. I thought I paid it off and received a {$35.00} service charge. I paid the service charge but evidently it was a late payment so I was assessed another service charge. I thought I had the bill paid off. As of today I paid the {$110.00} dollars of service charges and late fees on my original {$2.00}. I tried to work with Home Depot Credit Services but they would not negotiate the fees. I canceled the card and have decided to never use Home Depot again. 

Company response: Company chooses not to provide a public response
Consumer complaint: Coast 2 Coast is still trying to collect and report a debt to my credit report that was a result of ID THEFT. I explained to coast 2 coast I never lived at the service address provided and that my identity had been stolen. 

The failed to properly validate the account with my name, social, or drivers license number. I sent over a dispute letter as requested and a copy of my police report but nothing has been done to rectify this issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: GOLD KEY CREDIT SCAMMED ME THEY NEVER BILLED MY INSURANCE I GAVE THEM MY INSURANCE INFO THEY PURPOSELY DONT BILL INSURANCE TO SCAM PEOPLE AND PUT THINGS ON PEOPLE CREDIT REPORT WHICH IS A VIOLATION OF THE LAW. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: RE : Your submission, [ Case number : XXXX ] XXXX XXXX XXXX XXXX To : Consumer Financial Protection Bureau You people are something else! 

I wrote you and submitted a detailed complaint nearly a month later I got a letter from you saying that my file was not complete, and that I should contact you immediately. I did that. 

The lady I spoke to said she could n't match my name and the file number, no case existed. 
I insisted that there must be or I would n't have received the letter I was holding in my hand. 

After waiting on hold for considerable time she returned to the phone and informed me that YES there is a file. She continued that it is incomplete, so that you folks could n't move ahead with it. When I asked what was missing she told me that she could n't discuss it with me, that I would just have to file another complaint. 

Deciding that I was involved with another worthless, self serving bureaucracy, I decided to not pursue my complaint further. Nobody really cared, just wanted to give lip service to all the wonderful things being done for me. 

A few weeks later I received a second letter that read almost like the first one. After giving myself a couple of days to cool off from the stupidity of all of this, I called again the number provided me in the letter. 

This time I documented the call. XXXX XXXX, 2015 I spoke with XXXX. Again I was told that my name and the number did not match anything in her computer, the case must not exist. XXXX listened while I filled in the background to my call. ( BTW - Kudos to XXXX for a great job ) She said there was another place she could check, it would take some time, asked if I had time to wait for her to go look. ( way to go XXXX! ) Yes, I could and would wait. 

In less time than I expected she was back and said : I found the file It is incomplete ALL that was missing was an email address and a phone number ( Ah-hah! - the secret stuff first lady couldn't/would n't talk to me about! ) Gave me instruction on what to do to take care of problem. 
Said that was all that was needed, and that I would hear from you folks soon. 
I faxed the info within a few minutes of the end of that call Now I get the third correspondence from you folks saying you are closing the case because you do n't have a complete file. 

How did you email me if you did n't get my fax with the " All we need is -- -- '' information? 

It must be dark with your heads so far up your -- -- -- -- Close the case. It is obvious to me that you folks have no intention of looking into this problem and getting me an answer. 
Credit reporting companies must pay your wages. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been disputing with all XXXX credit reporting companies and have gotten nothing resolved. I have been the victim of bad credit since I can remember. My credit score has always been in the XXXX due to improper reporting. This has caused me to continuously get denied for credit and pay very high interest rates on auto loans. Every time I shop for an auto loan the car dealership sends out my application to different banks ( XXXX ) the credit companies report every single inquiry on my file. I get denied credit because too many inquiries. Credit companies try to tell me all those inquiries on my file only counted as XXXX and did not affect my score. That is the farthest from the truth. They count and that is why my credit score has never reached XXXX. I have also disputed other inaccurate information in my file and each and every time it remains un resolved. 

Company response: Company chooses not to provide a public response
Consumer complaint: My lender ( Ditech ) has not cancelled PMI even though my loan amount is now below 78 % of the original loan amount. I have called them and written to them and the situation is still unresolved. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: HelloI have been sued by Citibank for alleged credit card charges. I would like information regarding the US Consumer Financial Protection Bureau said " XXXX consumer bank has been ordered to pay {$700.00} XXXX in relief to borrowers for illegal credit card practices '' and any other action regarding Citibank consumer fraud. 

Company response: Company chooses not to provide a public response
Consumer complaint: On my credit report both trans union and XXXX both have XXXX of the same thing on my report ..they are hard inquires for the same car some are done on the same day..I bought a car in XXXX XXXX ..there are XXXX hits for that XXXX car?? Should n't there only be XXXX? Also I bought another car XXXX XXXX there are multiple hits for that same purchase done in the same week.. Please advise me on what I can do if I can do anything? 

Company response: Company chooses not to provide a public response