AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX XXXX, XXXX, I financed a used XXXX XXXX XXXX through the XXXX XXXX XXXX XXXX. The cost of the car after negotiation was {$25000.00} ; I put down {$10000.00} which brought the car down to {$XXXX XXXX. The payments of {$340.00} for 48 months began of XXXX XXXX, XXXX with the final payment due on XXXX XXXX, XXXX. After receiving a solicitation from Pentagon Federal Credit Union for a refinance rate of 1.99 % I decided to take the promotion. I contacted PenFed and was told that they would payoff the loan for {$6900.00}. I received the check from of {$6900.00} from PenFed and endorsed it over to a loan officer at XXXX XXXX XXXX XXXX. Communication with a loan officer at PenFed was that the the new loan would be about {$200.00} maybe a little more for 24 months. I agreed to this loan amount and faxed an aceptance back. I never received any documents but received a coupon book and through an oversight on my part began making payments. It was not until I completed making 36 monthly payments that I realized I had been scammed. I could not locate any loan agreements and promptly notified PenFed. This is where my experience began with PenFed and my letter of XXXX XXXX, XXXX supports my actions. Instead of PenFed taking responsibility for this practice It escalated with fraudulent documents, checks and unbelievable deception. I have attached all communication, from me to PenFed and from PenFed to me. PenFed claims that I financed {$15000.00} with the XXXX XXXX XXXX XXXX, I then turned around and financed {$16000.00} with PenFed for the same XXXX XXXX XXXX. PenFed claims that a check for {$9200.00} was issued to me and placed into a share draft account. PenFed then states that the {$9200.00} was used to payoff the mercedes. PenFed then claims that XXXX and XXXX XXXX was issued a check for {$11000.00} and produced a promissory note to go with the others that were created. PenFed claims that the {$11000.00} was used to payoff a XXXX XXXX. This XXXX belongs to XXXX XXXX and was paid off in XXXX. PenFed trips themselves up by claiming that the {$11000.00} and the {$9200.00} XXXX went to payoff the XXXX XXXX. The payoff notices from XXXX of XXXX XXXX, XXXX and follow-up on XXXX XXXX, XXXX proves beyond a shadow of a doubt that XXXX and XXXX XXXX have been defrauded and scammed. In my complaint of XXXX we did not have these documents. These documents from XXXX Bank clearly refutes any claim that PenFed could possibly make. Since my complaint XXXX others have been found who have had similar experiences. None of their experiences are as blatant as the experience of XXXX and XXXX XXXX. I will give PenFed the opportunity to satisfy my damages in an expedited time-frame. All supporting documents have been attached. Thank you. XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Since XXXX I have been trying to pay my mortgage to Statebridge Company, LLC and trying to find out about the unexplained mortgage increase plus an extra {$27.00} charge no one can explain. I have called several time over the past few days and no one answers the phone and the general mail box is full ( XXXX ) and can not take messages and I get disconnected. I have gone through their employee directory and dialed every extension and no one answers the phone and each voice mail states that if you leave multiple messages that will delay the call back time. My mortgage payment for the month on XXXX still has not been applied to my account and I ca n't get hold of anyone to resolve the issue and get my payments applied to my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've never been employed by the ones listed on my credit report for transunion 

Company response: Company chooses not to provide a public response
Consumer complaint: US Bank issued XXXX credit cards to my business. Each card had a separate statement, balance, credit line, reward program. After a few months the cards were XXXX declined. Paper statements and online banking XXXX showed in excess of {$15000.00} credit available between the XXXX cards. The bank asserted that the total corporate credit was {$16000.00} and the balance was maxed out. Multiple bank employees looked at the account and reported that there should be plenty of credit still available. After calling around they then returned to say that there was only {$16000.00} credit total rather than {$16000.00} per card. 
In the process of applying for the cards, the business also applied for a line of credit through US Bank. Under the advisement of the business banker we requested {$25000.00}. It was denied because we had too much credit with US Bank. We were advised that as long as we were under {$50000.00} we should qualify for the loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I was transferring {$350.00} to a friend XXXX. My friend and I decided it was wiser to meet and exchange funds so the transaction was Cancelled. The debit of {$350.00} came out of my BB & T checking account. It took until XXXX XXXX, 2015 for a credit of {$350.00}. to appear. I was charged {$72.00} in return item fees on XXXX XXXX XXXX My account would not have overdrawn had the {$350.00} been in it XXXX. After daily phone calls to both BB & T and XXXX and many XXXX calls XXXX it was decided on the phone with BB & T on XXXX XXXX that a claim would be put into Escalation to return the return item fees ... A process I was told takes 24 - 48 hours. On XXXX XXXX I again called. Not only had the {$72.00} not been credited to my account but another {$36.00} overdraft fee was charged ... My account would not have been in negative had the {$72.00} been there!! I was informed by BB & T that they had filed the wrong claim form and that ... oops, we 'll send the right one up XXXX A process I wish I could charge {$36.00} for ) ... I have called on a daily basis. I went to close my account from BB & T XX/XX/XXXX and asked how they 'd be returning my money for the incorrect fees only to be informed that returning my money was " courtesy '' and if I close my account I would Forfeit the funds!! It is now XXXX XXXX, 2015 almost one month later and I STILL HAVE NOT RECEIVED THE MONEY FOR THE BANK 's ERROR! Additionally, the companies that the items were returned to have charged returned check fees and in XXXX case a late fee. NONE of these fees or mistakes are of my own doing! The money to satisfy my debits would have been there had it not been for XXXX initial error and BB & T 's assessed fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: Overlimit fee paid without my consent or opt in. 

Company response: Company chooses not to provide a public response
Consumer complaint: Collection agency is reporting the incorrect date of first delinquency. I have disputed with TransUnion multiple times ( XXXX times in total ) and each time, the dispute has been verified. The original tradeline with XXXX Bank became delinquent XXXX XXXX as recorded on my credit report. The debt was sold to a collection agency, XXXX XXXX, who then reported the date of first delinquency as XXXX XXXX. Due to the age, the original tradeline has been removed from my report and is no longer listed. With the suggestion of a Transunion representative, I provided a copy of a previous credit report ( XXXX XXXX, prior to the removal of the original tradeline ) circling the date of first delinquincy and estimated removal date. I then circled the estimated removal date under the collection agency as proof the date is incorrect. The dispute was verified as correct. I was told by a representative Transunion does not investigate the dispute and all documentation is forwarded to the collection agency for verification. The collection agency has refused to correct the issue. Transunion representatives have stated numerous times there is nothing they are responsible to do and the credit report is not sufficient proof of the dispute. I was also told to file a police report or get an attorney as Transunion is not responsible for investigating disputes and if the collection agency verifies the information as correct, there are no laws they have broken. Although the customer service representative was a XXXX supervisor and could blatantly see the error and agreed with me of the error, she said there is nothing she could personally do to correct the issue and all corrections must be made by the collection agency. 

Company response: Company chooses not to provide a public response
Consumer complaint: I wish to file a complaint about U.S. Bank and how they have failed to process chargeback requests from XXXX of this year, then claimed my credit card account was past due when it was not, and then had the temerity to turn my account over to their collections department, even though it is not past due and - in fact - should have a credit balance. They have this account all screwed up ; yet, despite my numerous attempts to help they fix their errors, they STILL have not fixed the problems they created and they compound their errors by dunning me with inappropriate late fees and interest charges on this closed and fully paid account, and now they are going so far as to harass me by calling me falsely claiming that I owe money on this account, which I do NOT! 

Company response: Company chooses not to provide a public response
Consumer complaint: I entered a branch of Bank of America at XXXX XXXX XXXXXXXX, NY XXXX, on XXXX XXXX, 2015 to cash a XXXX denominated check ( XXXX XXXX ) in my Bank of America checking account. I filled in forms and I was told it would take XXXX weeks. It is now almost XXXX months. I have tried to inquire twice through customer service and no one even understands what I am talking about. No one from Bank of America has followed up on the issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: AMERICAN COLLECTIONSXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX # XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify AMERICAN COLLECTION ACC # XXXX XXXX XXXX XXXX XXXX $ - XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : AMERICAN COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXXSSN : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I thought I was on U.S. Government Site. The Company 's name is XXXX. It was advertised as free. Now I 'm worried. I gave them personal information. After the information they asked for a fee wanting my credit card number. The original site I went to was U.S. Government 's Official Web Portal USA.gov. Then I was switched to a company called XXXX. I sent them an E-mail explaining on what happened to FREE? I have n't received a response yet. 

SincerelyXXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I originally purchased a home with a mortgage from Countrywide which was then purchased by Bank of America. A little while after the purchase my wife lost her job and I tried to be proactive and work with the lender. I was told they would n't negotiate with us until we were pass due and to stop making payments. Then I called them after I was XXXX days past due and they told me not to send any payments unless it was in full and they would send me a packet. I completed multiple packets with them to restructure the loan and was told they lost the information or never received it. We got so far behind we attempted a short sale. We had a reasonable offer on the table and the lender refused it. XX/XX/XXXX we had a court hearing where I told their attorney and the judge we just wanted out of the home so we could start over. I was told the foreclosure sale would happen XX/XX/XXXX. We moved out of the house in preparation for that but the foreclosure never happened and over XXXX years later they still have n't done anything. 

Company response: Company chooses not to provide a public response
Consumer complaint: Negative Credit from Unknown Creditors. 
Spouses name incorrect. 

In correct Credit score ( s ) ( lower then actual score ( s ) ) 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America has changed their computer system and are creating unnecessary overdrafts in checking accounts by deducting pending charges from the available balance and causing legitimate charges to overdraft. For example, I had a rental car pending charge of {$97.00} on Saturday. I returned the car on Tuesday and because of my 3 day free coupon the charge was reversed. However when I checked m balance on Wednesday, the reversed charge disappeared and the pending charge was still there. The remaining pending charge caused and overdraft because I made XXXX credit card payments on Tuesday. Hence, I now owe BOA {$35.00} overdraft and {$10.00} savings transfer plus {$12.00} overdraft amount. How can this be when the {$97.00} charge should have been removed? On Thursday the pending charge will clear and I will still owe money to BOA. Why did their computer drop the reversal? Why am I charged for something I do not owe? BOA is ripping people off again! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have submitted a number of requests to Experian to correct inaccurate information on my credit report and provided them with a copy of the credit report retrieved from their website as well as identification. The initial letter was ignored without response and the second request claimed to not be able to identify me and was addressed to someone else. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I received e-mail from CashCall offering a settlement on a loan I had due to them with a XXXX time payment of XXXX. I am attaching the e-mail in this correspondence. I spoke with my family and they were going to provide the amount so I could settle the debt. 
I called CashCall and said that I wanted to settle based on their e-mail. They were to move forward and provide the documents necessary to do this. 
Follow-up calls were made and nothing ever happened. 
After a period of time I called CashCall again. This happened on XXXX XXXX, 2015. They said that I would have to deal with a new contact. This new contact was XXXX XXXX XXXX. The number given to me by CashCall was XXXX XXXX. I was to call them from this point on. I called this number I spoke with someone who would only identify himself as XXXX. XXXX said he represented XXXX XXXX XXXX. XXXX said that everything was transferred to XXXX. Their number was XXXX XXXX XXXX. I then called this number. They took down my contact information and said that someone would get back to me. I received a call from XXXX XXXX. He said that he works for the XXXX XXXX XXXX XXXX. He was calling from XXXX XXXX. He said that the offer is not available and I will be dealing with him now. He demanded payment of approximately {$5000.00}. He said that if I did not pay, he would take legal action and sue me. He said that he would put a lien on my house and levy my wages. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: i 'm STILL getting regular phone calls from a robot identifying itself as " Diversified Adjustment services '' and it 's driving me crazy. they call at various times, sometimes waking me up. they fill up my voicemail. i have no debts! XXXX of the numbers they call from is XXXX it 's been MONTHS! 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I was XXXX I visited XXXX and as a federal employee there is a co-pay paid up front of {$35.00}. This was paid and I received XXXX services. I went back to XXXX from my XXXX XXXX XXXX and XXXX sent out a billing that I did not receive since I was in XXXX. Upon my return in XX/XX/XXXX, I ran my credit report and saw an XXXX bill and paid the {$70.00} on XXXX XXXX XXXX ... 
from XXXX XXXX XXXX XXXX : XXXX XXXX/ONLINE PMT/XXXX XXXX XXXX /WEBWhen I saw this still on my credit report I contacted XXXX XXXX XXXX , Director of Financial Operations , XXXX who in turn contacted XXXX and advised them to remove from my credit report, XXXX acknowledged that they would ... I followed up with XXXX one year later since it was still showing on my credit report. XXXX stated it would be taken care of again.Currently it is on my credit report with TransUnion under XXXX, XXXX. XXXX stated they called XXXX to have them remove immediately, yet XXXX has now removed this item, and Trans Union is now showing as a collection and a balance due of {$70.00} with XXXX and not XXXX. Trans Union is not using due diligence and is ignoring both me and XXXX. 
I am attaching my XXXX Health report that states the following:1 ) Visit to Doctor XXXX : which XXXX has on their data records and which has been paid to XXXX of XXXX on XXXX XXXX XXXX upon my return from XXXX , which XXXX confirms payment for Doctor 's XXXX ( see XXXX attachment ) 2 ) Visit to XXXX XXXX : which XXXX has on their data records shown as Doctor XXXX XXXX which has been paid on XXXX XXXX XXXX upon my return from XXXX , which XXXX confirms payment for Doctor 's XXXX ( see XXXX attachment ). 
XXXX I am also attaching a billing statement from Doctor 's XXXX dated XX/XX/XXXX that also shows a {$0.00} balance!!!! 



There are no other visits to any XXXX since I was only home for XXXX weeks at a time and have been XXXX since XX/XX/XXXX. The XXXX Health report goes back to XX/XX/XXXX. 

Product_Or_Service : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX was give a trial plan by SLS.. He made the XXXX payments. SLS then said he failed the modification because he did not return the correct modification paperwork. He said he never got them and could they resend them. SLS said they were sent to his XXXX XXXX . POst office had no record. SLS then emailed him the paperwork. But the paperwork they kept sending him in XXXX. XXXX and XXXX was not the modification documents but the letter stating he was approved for hamp tier 1 with the NPV values. He signed it and returned it. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello : I have a school loan that has been deferred by XXXX XXXX. I was told that the school loan would reflect current on my credit report however is shows that it 's closed. I spoke to the Dept of Education and they told me to dispute with the reporting agencies ... .XXXX and XXXX . I would appreciate some assistance regarding who to contact and how to begin this process to correct the information on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Recently checked credit report.Found XXXX late payment from Wells Fargo Dealer Services.Calledfaxed email proof of payment .Showing paid on time.Company still refused to remove late payment. Also asked for them to be removed from credit report. Due to the fact of inaccurate info from " WFDS :. The refused to do so. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX, I went to the Bank of the West XXXX to secure a business loan for opening a new private practice. Although my practice was already open and I had some money XXXX, the bank said it was n't enough and needed personal collateral to secure the loan. This was an interest only loan, and a revolving account attached to my employee LLC ID and not my SS #. After a couple of years I started paying back more than just interest. In XX/XX/XXXX I got a job offer with the government that was too good to be true, so I closed my practice and moved. I also closed the bank account that had autodebit for payment on this loan and contacted XXXX XXXX on several occassions to get the auto debit linked to another account. He never returned my calls and they continued trying to pull money from a closed account for the next 90 days which caused additional fees for overdrafts, past due payments, and credit problems. I started paying them by check because they would not allow me to pay more than the interest if I set up autodebit again. Over the last two years, I have paid about {$50000.00} on the {$77000.00} balance. The property tied to this loan is worth {$99000.00} according to XXXX XXXX tax dept. I called the other day to see if the revolving account could still be used because I no longer had checks to that account. They asked how much I had in mind. I said around {$12000.00}. XXXX XXXX and someone named XXXX said they would check. XXXX called me back and said that because I did n't pay any principle on the loan in the beginning, I no longer had the revolving status and they were not willing to work with me. Today, I received documents in the mail stating that they had pulled my credit report ( WITHOUT MY PERMISSION ) and said my credit score was too low according to XXXX. This is rediculous because I 'm currently XXXX getting a home loan and if they would have asked for a personal credit report I would have told them NO because that could mess up my credit rating. I called XXXX. He said he had notes from XXXX saying I wanted to apply for a new loan of {$12000.00} and that is why they pulled my credit report. I told him I did n't care what the notes said I NEVER gave anyone permission to pull that report nor did I apply for a loan. I already had a loan. I merely inquired as to whether I could still use it as a revolving account since they still had a lein on my property. In addition, I asked him when they changed the terms of the original loan agreement because I was n't informed of those changes and XXXX could not answer me. These practices should be illegal. I have had nothing but problems from this bank and I wish for you to investigate their practices. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I settled this debt in full on XXXX/XXXX/15 after a settlement agreement was reached. I was told the lien would be removed from my home and 42 days layer the lien is still in place and I continue to show a balance with this company. ARSI is the debt collector and XXXX was the original creditor. I will upload receipts and emails and the settlement offer indicating this debt is paid in full 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company