AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I signed up for a Best Buy credit card ( probably ) 5 years ago. The bank no longer possesses records before XX/XX/XXXX so I have no official way of knowing. At the time I signed up for this credit card, there was never any mention of a debt protection service, nor was I ever charged a monthly fee for my first few purchases. When I purchased a new refrigerator in XX/XX/XXXX, it appears that somehow this service has been added to my account and I was never notified. Due to consistently utilizing an automatic payment system through Best Buys website ( which estimates how much I need to pay monthly in order to pay off my purchase within the 0 % interest time frame ), I never noticed the monthly additional charges of this unwanted service until now. I have requested my oldest statement be delivered to me ( from XX/XX/XXXX ) so that I can attempt to add up the total value of this fraudulent service 's charges. For XX/XX/XXXX the total amount I was charged was {$320.00} and so far for XX/XX/XXXX I have been charged {$190.00}. I assume that I was also charged XXXX {$100.00} for the 3 months of my purchase in XX/XX/XXXX. I contacted them at XXXX regarding being signed up for a service I never requested nor never have previously. I was informed over the phone that the service is now cancelled and that I would be mailed some information within the next 2 weeks regarding a potential refund. 

I have browsed numerous results on XXXX for the exact same issues, but most of the issues dated back to when XXXX was in control of the account. I also discovered that the debt protection service was discontinued with the cards roughly 1-2 years ago. I am very upset that somehow after the service was discontinued ( after the class action lawsuit, which I was completely unaware of ) that it was somehow set up for my account. Also, I have noticed that the amount I am charged each month for the debt protection service, that I did not sign up for, has increased steadily over the duration of my 0 % interest purchase. The oldest statement I have access to through their web service ( XX/XX/XXXX ) shows the monthly charge for the debt protection service as {$27.00} and the charge for the debt protection service on XX/XX/XXXX is {$34.00}. 

Due to this entire situation, I am at least behind {$520.00} due to fraudulent activity by my lender ( ) and am very upset that I did not catch this much sooner. 

Company response: Company chooses not to provide a public response
Consumer complaint: TO WHO IT MAY CONCERN-I HAVE NUMEROUS ACCOUNTS THAT ARE REPORTING AS OPEN AND PAST DUE THAT WERE INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XXXX XXXX BANK AND CONTINENTAL FINANCE IS TRYING TO COLLECT MORE THAN AGREED AND IS UNDER XXXX, ALSO IS REPORTING LATE PAYMENTS ON CLOSED, AND CHARGING FEES AFTER THE FACT. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am forced to reach out to you for assistance as a last resort. It 's been well over 3 years ago that I closed my short sale successfully and " cleared '' my debt with Bank of America ( loan # s : XXXX & XXXX ), But for some reason I am still being harrassed by debt collectors from XXXX ( # XXXX ) trying to collect on a debt that was settled on the shortsale transaction with Bank of America ( # XXXX ) on XXXX/XXXX/2012. 
They are also falsely reporting this debt to the credit bureau. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, my name is XXXX XXXX XXXX and I am a small business owner in XXXX. I have been abandoned and deprived by husband of 18 years and he has taken full control over my business. By having an attorney that I have no idea of, which I 've been calling over the last three months. Nevertheless, my husband is evading to met with mr for a divorce, he 's making falsifying and demeaning statements to his attorney ; indicating he left and refuse to pay bills because I 'm greedy and the attorney said I 'm avoiding not paying taxes like a civilize person, but my handsome had me financially striken with unforeseen unpaid business taxes, unpaid unemployment taxes and employee fringes. He 's established XXXX bank accounts in my business name, if which I 've never received a dime and he 's given others access to business financials and over XXXX cell phones in my business name XXXX held by mistress, he 's being charged criminally for submitting payroll without certified funds and I have just acquired another judgment on my home. I just learned he does n't pay taxes of files on time and he doing such with my business and the law states of my ein does n't account with his it 's a violation. However, as an LLC the company should use a personal as. I recently filed police report and fraud charges however while waiting this man has taken over everything including filing bk XXXX under my business. I 've notified both he 's bk who has given me the run around and attesting that my husband is the owners, however my articles clearly indicate differently, itrs confirms however whatever document he has provided to sdat staying I was voted out by board members and indicating that my husband and XXXX of his friends who are also writing checks.. My question is how can any of them be members if none were ever eatable he, my orders as well as all supporontony documents I had my husband lifted a chiief or feild operations, I was always {$100.00} owner and my responsibility was over finances, business decisions and payrolls. I worked on my own carrear and My husband would tell me that he had no contracts but I would assist on preparing bid :, I'veinvested money and time. He 's claiming I 've caused him health issues and he tried his best to proved but that 's far from the truth, he 's been lying, deciteful and would go at anything toMake me lose everything I worked hard for. While running and impregnating a neighbor but that 's not my problem, he 's been paying himself and spending ever dime. He has over XXXX artm cards and talking out {$7.00} and & XXXXAWeek and going to restaurants. Designer stores. Using the fraud accounts he has attend for his own personal greed and there are irs debts and lawsuits posed on the. I went to Wells Fargo and provided them with my articles, XXXX and police report and they tell me it 's domestic because XXXX is claiming ownership. I advises that 's far from accurate because he 's presented fraud by claiming to be the owner and acting in the capacity unauthorized. 

Company response: Company chooses not to provide a public response
Consumer complaint: I use Bank of America billpay to send money to individuals. When the individual tries to cash the check at any Bbank of America branch, Bank of America responds that they do n't have to honor it because it 's not drawn on Bank of America. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ther are XXXX debts and almost all of them I do n't recognize. I need them off my credit score. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion intentionally and knowingly reports different credit scores to lenders than consumers. 
Transunion has reported to me on XXXX different credit monitoring services credit scores that are XXXX point HIGHER than they reported to merchants when I recent applied for credit. 
This DUAL reporting system Transunion & other credit companies use causes consumers more money due to high rate loans and refuses for credit. I have been harm by several refusals for credit over the past XXXX days AND HIGHER interest rates for loans due to this FALSE reporting by Transunion. 

Company response: Company chooses not to provide a public response
Consumer complaint: On a few separate occasions I have disputed with all three credit bureaus XXXX, XXXX, and Experian pertaining to a credit card with XXXX XXXX Bank acct # ending in XXXX for the date of last activity, payment history, status * and the dispute was returned verified. 

After some further investigation on my part, I am also concerned that these accounts may not belong to me, and/or the reporting to XXXX, Experian and XXXX may be inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XXXX XXXX, 2009 ), this Notice includes 

Company response: Company chooses not to provide a public response
Consumer complaint: They kept calling my cell, my parents house, my old work that I had left from 3 years ago. Claiming they were sent from Kay jewelers to collect on an old debt and that if I did n't they would sue. I have no job so I figured I would go to jail. So we set up payments. But I used my husbands card. We 're struggling as it is. But I figured not having me around would make life way harder. They said I would receive something. In the mail. I never did. I called back but never got in touch with original person and the message greeting just says " law office please leave a message '' that does not sound right. I believe they were a fake. They manipulated me and made me fear and harassed me and my family until I believed them. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: XXXX has claimed an erroneous debt on my report. I have absolutely not done any business with them in years they have gotten my name from recent inquiries in like agencies. Please have that information removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: On several occasions ( XXXX ) I 've asked Experian to delete the record which shows a delinquency to XXXX account # XXXX. This request is based on the Florida Statute 95.11 which explains that no record should be reported beyond 5 years after the final payment made to the lender. 
The last payment made to this lender before the account charged off was in XX/XX/XXXX and it was sold to a debt buyer who settled the debt with me. Therefore, as per Florida Statute 95.11, the account should have been deleted no later than XX/XX/XXXX. Not only have they failed to delete this item timely but they 've actually continued to report it even after being notified, by me, more than twice that it should be deleted. 
Recently, I was turned down for a job which paid in excess of {$75000.00} per year because of this record they stubbornly continuing to report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Green Tree Servicing LLC, has issued a summons for Lawsuit, Pettion for Writ of Replevin and Complaint for Money Due. 
I have been Unemployed for XXXX months past due. I have reciently found Part time work at XXXX. I will now be able to make payments. I have made approximetely XXXX monthly payments of XXXX out of XXXX scheduled. 
I have tried to reach Plaintif for Loss Mitigation Package but there has been no responce. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is a new complaint seperate from my last complaint about bsi financial services. Bsi sent me a incorrect escrow analysis raising my payment by over XXXX dollars a month .after several unsuccessful attempts to get them to correct this with no success I filed a complaint with the consumer financial protection bureau. BSI promptly sent me a correct escrow analysis with a refund check because I had an excess in my escrow account. When I got the incorrect escrow analysis I contacted bsi that same day by phone and sent a qualified written request by certified mail the next day because I had the same problem last year and it took a complaint to the consumer financial protection bureau to finally solve the problem. Unfortunately XXXX months went by before the escrow analysis was corrected each month when my mortgage was due I sent in my regular payment amount of XXXX dollars instead of the XXXX dollars they were asking for. Even though they have sent me a correct escrow analysis and a new correct monthly payment of XXXX they are still sending statements that say I owe them XXXX payments of XXXX plus late fees.They did not apply the payments of XXXX to my account. They are still calling me and my wife by phone many times and we have both explained this to several different bsi representatives but it it is still not corrected as they just called me on XXXX XXXX 2015 for payment the agent had claimed to have no knowledge of the issue or my earlier complain to the consumer financial protection bureau. I explained the problem again but have know confidence it will get straightened out without your help.I have spent hours on the phone with them sent XXXX qualified written requests and XXXX complaints to you trying to get this simple problem fixed. Also I see online that this company has a f rating with the better business Bureau and many complaints online. I am going to send in my new payment amt. TO bsi this month even though they are asking for much more please help me! 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Incorrect address on a credit report ( most likely due to divorce : the address is that of my ex husband and his XXXX wife ) 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: On or about XXXX XXXX, someone from your company called my client and said they were an attorney and threatened to keep increasing the balance on the account. Also, my client has continued to receive harassing phone calls from your company where he is insulted and talked down to. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Trans Union is not responding to any of my requests to investigate and remove accounts from my credit report that do not belong to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX complaints about USAA mortgage services. The first, I 'm concerned that I may have overpaid in interest. The second has to do with how USAA unilaterally applies additional mortgage payments to principal, interest and escrow, and the third has to do with their use of " mortgage servicers '' to manage their mortgages and their lack of accountability or responsibility to their members when using the " mortgage servicers. " For the first issue, I sent three additional mortgage payments that were to be applied to the principal only. In each instance USAA applied the additional payment to the principal, interest and escrow. I contacted USAA to correct the payments, with the exception of the last payment. I have n't yet been able to reach the " mortgage servicer. '' As interest is determined by the value of the loan, the interest rate and number of days, I 'm concerned that I 've overpaid in interest. I was assured by USAA that the payment corrections would be dated back to the date the money was received ; however, it does n't appear that the corrections were. The first payment was made XXXX/XXXX/15, but was not corrected until XXXX/XXXX/15. The second payment was made XXXX/XXXX/15, but the correction was not made until XXXX/XXXX/15. Unfortunately, because of my work schedule and USAA 's " mortgage servicer '' business hours, I 've not yet been able to reach them to correct the third payment. 
Additionally, the second issue, on the third payment, I made it very clear that the payment was to be applied to the principal only. I wrote in all caps and highlighted " PRINCIPAL ONLY '' on the check and money orders. I selected " principal only '' on the payment coupon and included the value that was to be applied to the principal. Still, USAA applied the amount to the principal, interest and escrow despite my express written desire that the entire amount be applied to the principal only. 
For the third issue. I contacted USAA about correcting the third payment and they directed me to their " mortgage servicer. '' The " mortgage servicer 's '' business hours differ from USAA 's business hours. So I called USAA back and explained the " mortgage servicer '' was closed for the day. USAA offered to give me the " mortgage servicer 's '' direct phone number so that I could call them directly when they were open for business. I explained to USAA its extremely difficult for me to contact the mortgage servicer because of my work hours and that my mortgage contract was directly with USAA, not the " mortgage servicer. '' I had no desire to work with their " mortgage servicer. '' The agreement with the " mortgage servicer '' was between USAA and the " mortgage servicer. '' My agreement was directly with USAA and I did n't want to contact a third party to correct a payment relative to the agreement between USAA and myself. USAA was unable to help and insisted I contact their " mortgage servicer. '' I sent an email complaint to USAA about it and received no resolution. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Signed a home equity loan mod contract on XXXX/XXXX/XXXX with Bank of America and have a signed a congratulations letter dated XXXX XXXX, XXXX for the approval of the modification agreement. I have been paying faithfully according to the terms of the agreement. Last increase was XXXX/XXXX/XXXX XXXX for 455 mos, the rate is {$980.00}, which I pd. Suddenly I rec 'd a XXXX XXXX bill of {$1000.00} after paying {$980.00} & a late pmt on my credit for XX/XX/XXXX. Nobody can tell me why. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed the way this account has been reported on my credit files on several disputes. Experian continue to list the account with the negative information, the last time I disputed the account was XX/XX/XXXX and have not been able to dispute the information since that time every time I try to dispute I being told account has been dispute already. The account is now begin listed with only the Charge of date and all the other information was remove from the account which make the negative information stay on my credit file longer. I have my credit report from XX/XX/XXXX with the complete history of the account with states this account is schedule to continue on file until XX/XX/XXXX, completely different that what is reported XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased {$57.00} worth of garden dirt at Home Depot with my store credit card in XXXX. I never recieved the bill, they sent it to my husbands email account instead, ( why I dont know ). He not thinking it was junk mail deleted it. I receive a call from citibank saying I am XXXX months behind and have late fees. I was able to get them to waive XXXX month but not the other. I paid for the garden dirt over the phone with the operator but they said they reported me to the credit bureaus. I received the bill yesterday it is {$66.00} all interest and late fees including late fees on late fees. I probably will shred all of my Citibank cards now. 

Company response: Company chooses not to provide a public response
Consumer complaint: # 1. on XXXX/XXXX/2011 i purchased a vehicle from The " XXXX XXXX XXXX group, i was not made aware of the minimum A.P.R. offered by the finance company " ALLY ''. I 've contacted Ally requesting the initial APR offered by them to purchase my loan and they have refused. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America fraudulently charged me {$380.00} in fees XX/XX/XXXX on a closed account. 
Was not able to open bank account elsewhere until paying bofa the fraudulent amount they extorted from me. Today, XX/XX/XXXX they refuse to refund $ XXXX monthly maintenance fee and despite XXXX calls today, XXXX rep at XXXX XXXX cst put me on a XXXX minute hold returning to call refusing to let me speak to supervisor. On XXXX call asked for supervisor told all were too busy to talk to me but would call me back. Between jobs, need my money & need this extortionist bank to stop robbing and extorting from the American people like me 

Company response: Company chooses not to provide a public response
Consumer complaint: SPOTLOAN HIRED XXXX TO CALL US AT WORK, CELL, FAMILY MEMBERS, ( ATTACHED FIND LIST OF PHONES CALLED ), IN VIOLATION OF TDCPA, TCPA. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: My loan went from lender paid to buyer paid right when it was time to sign docs. This swing changed fees, interest rate and limited my ability to consolidate my debt as was originally expected. The Loan Company is Plaza Home Mortgage in XXXX, CA and the Mortgage Broker is Fast Direct Lending. My loan number is XXXX. Plaza seemed to keep asking for information well after Loan Approval and all the way up to doc signing. 
My income has increased, my credit has improved and the property was appraised with a good value. I am going to sign the loan docs, I have till XXXX XXXX XXXX, 2015 to rescind. 
I have been trying to refinance for the past XXXX and I am not sure I can go through this another time. It seems that Plaza was delaying. I do not know the dates of lock extensions but their re-requesting of the same information for example a XXXX for my mother whom does not file taxes. They were told this yet they kept asking for this form to be resubmitted. Just when it was time to sign docs, the Notary even contacted me and we were going to meet that day, only to find out that Plaza stopped the process and next thing I was paying for all cost of the loan with a higher interest rate. I was floored and have been nauseous since. It has been XXXX months since the original XXXX was issued. The market is moving and I am afraid that if I do not take this loan I will end up with an even higher interest rate. This seems unfair to me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received notification on XXXX/XXXX/2015 that there was a posting by a collection agency to my credit reports I checked and found it was Doctors Business Bureau that has posted derogatory information to my report and is in violation for they did not send me any notifications concerning this debt 30 day in advance as required by the rules and regulations and laws of the FTC, FCRA & Consumer Financial Protection Bureau 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America constantly ads fees before I can correct the issue. I am a XXXX living almost check to check. So when I do get the money to fix the problem I get hit with more fees which makes it worse. This problem is so bad that I closed my account. They refused to redact the fees and I lost {$180.00} in fees right before rent. 

Company response: Company chooses not to provide a public response