AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have a credit card is a no fee card, but I have been charged {$59.00} a year for 4 years. I called and was unable to speak with a supervisor. I cancelled the card. They stolen money! This is illegal 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened an account thru my work place and the agent on site stated that there would be no monthly fee because of who I worked for. After a month or so, after reviewing my statements, I was being charged a monthly fee. Also, I overdrew the account and was charged numerous bank fees which cause the account to go more into the negative and the bank closed out both my accounts.The fees were ridiculous and I made certain that I spke with the on-site representative about charges as such before I opened the account. What the representative told me and what actually happened what XXXX totally different things. I went to local bank to explain and the agent in the bank was very nasty and negative with her responses. She kept making the statement, " You People '' which was very degrading and she did absolutely nothing to assist me with the account. She gave me a phone number and told me to call " once I left their bank and make '' and she was sure that they would make " some kind of Arrangements '' for me to pay what I owed. SHe never acknowledged the fact that the agent that was onsite at my work lied. She never offered to go over the balance with me to explain how my account resulted in such a negative balance, and she spoke to me as if I did not even belong in their bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: Please help assist us, an apartment complex is collecting a debt client does not feel he owes. After further research client had electric in his name and was turned off. We have attached the supporting documents. The apartment complex states they do not own the debt as Hunter Warfield now owns. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Requested balances as of XXXX/XXXX/2014 approx. 1 month ago. I have not heard back from the branch or corporate regarding my request. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been working on a short sale since the end of XXXX with the XXXX mortgage company. There is a XXXX mortgage on the property, which the borrowers swore they did n't have. Spent 6 weeks trying to find out who held the XXXX mortgage, only to be told that no one was claiming it. XXXX bank said they showed it as closed, when asked to get a Satisfaction filed, I was told no. Finally, after running the borrowers credit report, I found the XXXX mortgage company on XXXX XXXX, 2015. On the same day, I contacted the mortgage company and faxed everything they needed to them to approve a short payoff of the XXXX mortgage. On XXXX XXXX, additional docs were requested by the XXXX mortgage and were faxed right away. They then told me that the loan was being transferred in 5 days to a new mortgage company, but they would forward everything to them and we should have approval right away. I contacted the new mortgage company, explained that all we were waiting on was the XXXX mortgage approval, so the XXXX mortgage could complete their review. On XXXX XXXX, I called to check the status and was told that the previous mortgage company had not forwarded documents as promised. I faxed everything to them that same day. I have consistently called to check the status and get no phone calls back from them. I stayed in contact with the XXXX mortgage company throughout, but as of today, we received a fax from them denying the short sale as the documentation needed from the XXXX mortgage company had not been received. I called the XXXX mortgage company and verified with them, that now we would have to start all over with them, while still waiting on the XXXX mortgage to approve. XXXX foreclosure sale date has already been cancelled, and I 'm worried that they will schedule another date soon and we wo n't be allowed to get this short sale completed because the XXXX mortgage company is dragging their feet. Do they not realize they will get nothing if it goes to foreclosure? What is wrong with these banks? They are a XXXX mortgage and still require all of the documentation that has been sent to the XXXX mortgage company. They should just be concerned with the amount they receive and either accept what 's offered or they could counteroffer. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I keep receiving calls from a company called HRRG and they ask me to verify my identity to continue the call. I tell them I 'm not giving that info out to a company I 'm not familiar with. They keep calling and telling me that I owe a number different than the medical provider that claims by insurance did n't cover their er visit. They 're somewhat rude and they hang up on me. I 've asked them repeatedly to stop calling me and it continues. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 've been a US Bank customer for many years. I 'm young and it 's still difficult to keep up with the changing methods and rules that the bank imposes on existing products. I was under the mistaken impression that the recent Reg E changes would prevent the bank from charging daily overdraft fees. What I find now is that they will charge an extended overdraft fee if your account is 7 days overdrawn. That 's a miserable thing to do but whatever, it 's {$25.00}. The deceptive part is in their notification of that fee. Once your account has been at a negative balance for 5 days they send you a letter to tell you in 2 days you will be charged a fee. Of course you ca n't possibly receive that notice in 2 days and the fee is already charged before you have an opportunity to bring your account positive. Giving someone a 0-2 days window before a fee will be charged is deceptive and unfair. I received my notice on XXXX XXXX to let me know that on XXXX XXXX a {$25.00} fee would be added to my account. Bear in mind this is after a US Bank autopayment overdrew the account ( and failed to make the minimum payment ). This practice would make it extremely difficult for someone to prevent this fee from being assessed. When I brought this up with the on-duty branch manager at the XXXX XXXX XXXX, XXXX, WA XXXX location, XXXX XXXX XXXX, she said since it was n't a " bank error '' she would n't reverse it. I asked did n't it seem like a deceptive act and she said no, this did not qualify under UDAAP.I asked how I could file a complaint with the bank she provided me the regular branch manager 's card with no additional information. I still do n't know how I can voice my concerns regarding this policy or practice with US Bank directly and XXXX XXXX was not at all concerned that I perceived my consumer rights to have been violated. In a single {$33.00} transaction ( which I had to set up or the account would charge a fee ) I ended up with a {$20.00} late fee ( because the {$33.00} was not enough to actually cover the payment, it pulled the " available balance '' instead of the payment perhaps due to an internal mapping error in their very old software ) and a {$25.00} " extended overdraft fee ''. Unbelievable. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for assistance with my mortgage via my attorney on XXXX/XXXX/2015. My attorney confirmed a complete financial package had been received on XXXX/XXXX/2015. Bank of America is my servicer. The person assigned to my application has stated to my attorney they can not and will not use my pay stubs because the pay stubs do not show an ending date for my pay period. However, the company I work for is XXXX of the XXXX in the state of Nevada ( XXXX ) and they issue all of their pay stubs this way. This is simply an excuse to evade reviewing me for assistance. I have already been approved once before and my pay stubs have not changed. My attorney also advised me that they have assisted hundreds of other people who work for XXXX using the same type pay stub and no other underwriter, point of contact or servicer has had a problem with the pay stubs. It is obvious what the pay period end date is as I am paid every XXXX weeks. The start of the pay period is listed as well as the actual pay date. Underwriting can either calculate the date themself or simply go off of the pay date. Rejecting my application is unreasonable, unfair and possibly illegal per Regulation X of Respa servicing laws. They need to stop playing games regarding my pay stubs and move forward with the review. I have supplied a verification of employment as well and they have everything necessary to review my application. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am claiming that SPS, " select portfolio servicing '' is purposefully holding up the process of the short sale on my rental property. They have drug their feet on XXXX offers and have sent me several letters that I do not qualify when in fact they have received every document they have requested and many times duplicates had to be sent because of them saying that the documents were lost. This process has been dragging on for 5 long, grueling months with a tenant who also has no idea what is going on or a reasonable time frame in order for her to move and find another home. They have sent me threatening letters and gave me incorrect information on several occasions about the processing times. They just recently told me I could n't access my own property/loan information. Because they had the wrong zip code in for my property and because I could not verify the zip code ( because it was in their system wrong ) I was not able to get an update of my short sale. This company is a crooked, useless group, which bought out my loan with XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am writing to request your assistance in looking into the deceptive practices of this collection law-firm above. It appears that they are using tactics that may be violating consumer protection law in debt collection practices depriving consumers of their rights to dispute. 

1 In XXXX XXXX, I received a notice from the above company, The next day, I contacted their offices as instructed -- the memo dated XXXX/XXXX/XXXX instruct me to contact the plaintiff attorney, not the court. I followed the instructions provided and contacted the plaintiff attorney by phone and also faxed a letter on XXXX/XXXX/XXXX disputing the debt ( see letter ). 

2. The company responded with a letter dated XXXX/XXXX/XXXX by sending me a bill with a due date for XXXX. I had requested a bill showing what my balance was back when I made a payment back in XXXX XXXX for {$100.00}. I was disputing the amount owed, disputing the charges. 

3. I wrote back to the company and faxed another dispute letter on XXXX XXXX, XXXX continue to dispute the amount owed. 

4. The company sent me a response on XXXX/XXXX/XXXX saying that they furnished me the information, I was not disputing that I owe XXXX XXXX, I was disputing that the balance was inaccurate and that I needed proof of the last known charges and activity on the account which was XXXX XXXX. In the last paragraph of their letter it indicated that if I was disputing the amount to send a letter and so on.. 

5. On XXXX XXXX, XXXX -- I sent another letter to the company disputing the balance and requesting the documents again. 

The company never responded to my XXXX XXXX letter, they since had not communication with me, until XXXX XXXX XXXX when I received a letter from them with a copy of a DEFAULT judgment that they filed the court clerk 's office indicating that I failed to respond to their judgment. 

Facts:1. The only judgment that the above firm served me with was the original judgment which I am attaching dispute letters showing that I RESPONDED as instructed to their office on XXXX different occasions. 
2. The plaintiff failed to respond to my dispute and furnish the information provided-and was probably unable to obtain proof of the original of the debt3. Instead of using credible legal procedure to settle the debts, they utilized unfaithful and dirty tactics, violated my rights. 
4. Went to the court, committed perjury under the law by filing false documents with the court that I defaulted on the judgment and failed to respond when in fact I responded and they failed to furnish proof. 
5. I went the court house and the clerk 's office, I was told that the company did not notify their offices that they had been in contact with me, instead they the company told the court and clerk 's office that I did not respond to their summons the the clerks office granted them the default judgement based on their false information that I did not respond to their summons. They filed a false affirmation with the clerk 's office. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is reporting incorrect information on XXXX XXXX account # XXXX they are reporting that the account was charged off it was not I have already disputed this item XXXX times and gave Experian proof of no charge off and they refuse to remove it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am filing this complaint against CU Recovery Inc. because of their lack of reply to my debt validation letter. Dating from XX/XX/XXXX to recently I have been trying to negotiate a settlement to payoff my debt with CU Recovery, originally from XXXX XXXX XXXX. After several attempts to do so, I began to worry that they were scamming me or that they were stalling progress in order to add fees to increase the original debt. On or about the week of XX/XX/XXXX, I contacted XXXX XXXX XXXX ( the original creditor ) to ask them to validate my debt, they refused to talk to me in XXXX attempts, instructing me to make all contacts with CU Recovery Inc. I was then in contact with the collection agency ( CU Recovery Inc. ) and sent the attached debt validation letter on XX/XX/XXXX via US Postal Service Certified Mail ( ATTACHED ). The collection agency received the letter on XX/XX/XXXX but has not responded to my request for original documents and have since stopped contacting me. 

I am concerned that CU Recovery Inc. is not a legal entity or that it is trying to stall the process to settled in order to hike fees and other interests, specially since they have not responded to my debt validation request claims and the amount they say I owe does not reflect the amount reported in my credit report by XXXX XXXX XXXX this month. 

According to the Fair Debt collection Practices Act ( FDCPA ( section 1692g ) and XXXX Administrative Code ( section XXXX ) the agency should verify my debt and send me the following, in writing, within XXXX days of receiving my letter ( it has been over XXXX days now ) : proof of my agreement to pay the original creditor, a copy of the final account statement issued by the original creditor, a breakdown of the total amount due, showing principal, interest and other charges and for all other charges, the date of and basis for each charge. Please help me obtain this information that is due to me by law from the collection agency. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Account is time barred. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently filed for bankruptcy and asked to have my mortgage with XXXX America reaffirmed. Bank of America closed the account instead. 
When I called to ask why they said because they never received theirpaperwork back from the attorney. I contact the attorney, BofA neversent any paperwork. So I called back and requested they send thepaperwork. They assured me they would XXXX it. I waited a week, thepackage never came so I called again. This time they told me they showthe paperwork was requested, but they did n't show that it was sent. 2 weekshave passed and still nothing from BofA and now I am going to miss mydeadline to get this paperwork handled because BofA is doing NOTHING. 
Now I am going to have to request an extension from the court so thatmeans my bankruptcy is still in limbo and who knows if BofA is going todo what they are supposed to do. My attorney told me they are notoriousfor this behavior. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX for XXXX XXXX Hospital, paid medical bills should be removed from a credit report. For addresses I never lived in Ohio. XXXX is showing payment history for before 2014, I did not have a loan with them at that time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a credit card issued by Citi. According to Citi statement for the billing period XXXX/XXXX/2015 XX/XX/2015, they received my last payment ( {$4600.00} ) on XXXX/XXXX/2015. This was the total unpaid balance on my account on the day I paid. The statement for the billing period showed an unpaid balance of {$51.00}. After receiving this statement, I called Citi to close my account. I requested the person ( a female ) who closed my account to send me a letter explaining how they come up with {$51.00}. She told me that she can cancel this {$51.00} if I keep the account rather than closing it. I told her that I do not need this account anymore and willing to pay the amount. My only curiosity was to find out how they came up with {$51.00} while they received my full account balance of {$4600.00} on XXXX/XXXX/2015. She agreed to do that. While I am waiting a letter from Citi, I received a Citi statement in my email. To my surprise, this time the amount is {$77.00} ( {$25.00} penalty for not paying on time ). So I called Citi again. I again placed the same request as before to the person I talked to ( a male ). He agreed with me that he will send what I requested. Today, XXXX/XXXX/2015 I received by mail nothing but normal monthly statements ( past three months ) that are accessible to me online. I am pretty sure, they will send another statement claiming an unpaid amount of at least {$100.00}. I believe, as a borrower, I have the right to know how interests are calculated. Now it seems that Citi people, for some reason, do n't want to do that. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo stated that they sold the loan for my property effective XXXX/XXXX/2015. They claim the loan was transferred to XXXX Mortgage. I called XXXX Mortgage several times and they claim, the mortgage has not been transferred to them. XXXX Mortgage was the previous servicer of my loan. I did not receive any information regarding a loan transfer. Today, Wells Fargo confirmed that they have my correct address, in XXXX. The representative from Wells Fargo stated a letter regarding the transfer, to XXXX Mortgage was sent to a different address in XXXX. As of today neither company is accepting the XXXX 2015 payment for the loan. My primary concern is that no 30 day late payment is reported on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Loan Depot lured me with very good rates, " locked me in '' on good refi rates for my home and my rental property and then requested supplemental information repeatedly all under the guise of XXXX and XXXX requirements. I turned all their info requests around within 2 business days. Their last info request questioned my " ownership '' of a rental apartment I had rented from XX/XX/XXXX to XX/XX/XXXX and my " ownership '' of the building that houses my former employer, XXXX! These kinds of questions had gone on for about 3 months and then, when they finally approved both refis, they indicated that the rates had gone up. It was a classic bait and switch. I declined their revised rate offer, but they should not be allowed to do this to others. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I try to challenge transunion reports and their website is constantly down. I am sure if i was a paying customer that site would be open. This is repeatedly going on. 

Company response: Company chooses not to provide a public response
Consumer complaint: On Friday XXXX XXXX 2015, I received a voicemail from XXXX. This number does not match the collection agency so I believe it was spoofed. The caller claimed to be from the XXXX county sheriff 's office and stated that I had XXXX warrants out for my arrest and that by calling me, I had been ''served '' I have no warrants and this call was from National Recovery Agency , a bill collector. The caller did not identify herself or state that she or the company was a debt collector. It is illegal to impersonate law enforcement and I doubt the sheriff 's office would take kindly to this. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: On XXXX XXXX, 2015, when I went to my credit card 's website to pay the monthly bill, on the date it was due, the website was down, and I was not able to pay my bill until the next day. This made my payment XXXX day late. 
The credit card company then added a late fee to my XXXX bill. 
In XXXX, I payed the monthly bill on time, paying the minimum amount that would have been due without the late fee, because I believed that the company should not have charged a late fee, when their website had been down at the time that I tried to pay my bill in XXXX. I expected the credit card company to have realized that their website was down, and to drop the late fee. 
Now, the credit card company is claiming that my XXXX payment is past due, because the wrongly assessed late fee is past due. And they are adding XXXX late fees to my XXXX bill. 
My complaint is Twofold : A ) The credit card company charged me a late fee for a bill that I was unable to pay on the due date because their website was down ; B The credit card company is charging me a late fee on a late fee, when I paid the regular minimum amount due on time in XXXX, 2015. 

Company response: Company chooses not to provide a public response