AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I received a phone call today from XXXX and XXXX claiming that if I did not pay {$900.00} within an hour that papers would be served. I contacted the original creditor, XXXX Bank who provided me with information on where the account was sold. This account was sold to XXXX XXXX XXXX who then sold it to XXXX XXXX who then sold it to XXXX for {$240.00} who then sold it to XXXX XXXX for {$240.00} who sold it to XXXX XXXX on XXXX/XXXX/2015 which was yesterday. XXXX claimed to have sold it to Western Portfolio Assets the same day. Western Portfolio Assets claimed their sister office, XXXX XXXX XXXX has the account. When I spoke to them and asked for a validation document from the original creditor they stated they do not have to since they now own the debt. 
How does the said debt go from {$240.00} to {$900.00}? This company who according to the Chain of Title just received ownership of the debt yesterday and has claimed to sent letters to my address over 30 days ago. I have never received a letter from this company or any company regarding this debt. They are threatening to take me to court if I do not pay the {$900.00} or an agreed upon amount within the hour. This debt is not on any XXXX of my credit reports. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: all I am trying to find out now ( so I can decide what steps to take next ), is this,, In XXXX XXXX 2015. I paid off a Debt. IN FULL to XXXX XXXX, yet here on XXXX XXXX 2015 acct # XXXX is still showing as a debt we owe of {$4400.00} I have called them and they are saying they submitted the paid status to Experian, Experian says they did not, or are not reflecting the change in their records. My question is,, what do I do now,, I need to apply for a business loan and these agencies are ruining my chances of doing so as this debt RECOGNIZED as being paid will surely increase our FICO scores. please advise. XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I found a home we loved,, which was listed for {$410000.00}. I called USAA, and we were pre-approved to borrow XXXX percent of a purchase price up to {$410000.00} ( loan amount up to {$420000.00}. ) Based on that representation, we entered into a contract to purchase the home for {$410000.00}. 

About a week after we submitted our package of paperwork and ratified contract, a USAA representative contact us and informed us that the underwriters now required a down payment of approximately {$25000.00}. We agreed. 

A day after our contracted closing date ( scheduling and timely communication were issues throughout this process ) USAA contacted us and informed us that the underwriters now required a down payment of approximately {$50000.00}. Past schedule to move into a home we had already set our hearts on, we agreed. 

I do not recall receiving a Good Faith Estimate, but at closing, the numbers used by USAA on the HUD forms as a Good Faith Estimate were about 15 percent different than the final terms. Again pushed further down the road, we again agreed to modified terms. 

USAA later sent us a check for about {$500.00} to bring the difference between their estimate and the closing numbers closer together. The letter blamed the large difference on a " clerical error, '' but contained no substantive explanation. 

I understand some numbers my change as this type of transaction finalizes, but we were sold a loan with zero percent down, than accepted a loan with six percent down, and then were finally pushed into a loan with twelve percent down. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Actually I have a car payment account.but, It dos n't reported my payment history. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a XXXX of Massachusetts over XXXX years I have massive mandatory deductions TAKEN OUT OF MY CHEC., i have been having trouble in achieving a fair and equitable modification NOR GETTING BANK OF AMERICA TO UNDERSTAND THIS.People have saved their homes over lesser circumstances .I am a one wage earner family. Modification modelswork off peoples gross pay, But in my case I have a huge disparity between my net pay and my gross.Also as soon as I got paperwork in I was denied and received their letter dated XXXX/XXXX/2015 on XXXX!! XXXXwhich gave me no time to appeal .this is weong and bank of America is getting away with it, i asked XXXX XXXX to intervene which knew my situation well for it was purported in writing.they state dthey would intervene, to my knowledge thay did not.also XXXX XXXX at bank of America promised due diligence, I believe not done.i am not about to lose my home over a few dollars.please assist 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion has repeatedly reported that I was late on a mortgage payments to XXXX XXXX XXXX when they were not late payments BUT disputed payments due to multiple TILA violations. The loan transferred to XXXX during the dispute process and then to XXXX XXXX when the loan was successfully modified in XXXX XXXX. The loan was sent back to XXXX in XXXX and they now service the loan. I have repeatedly notified TransUnion to get this right. On XXXX XXXX, XXXX Transunion finally corrected my credit score to a proper XXXX. Inexplicably on XXXX/XXXX/XXXX they dropped it back to XXXX. My XXXX credit score remains correct at XXXX. I called TransUnion to inquire as what could have happened on XXXX for them to drop my score XXXX points. No explanation that was reasonable was given. I have no late payments nor have I opened any new accounts. So I asked what happened between XXXX and XXXX, no answer. I need your help to get the Transunion credit score restored back to the XXXX it was prior to XXXX. Faxing document 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo Home Mortgage charged an inspection fee ( for an unknown reason ) in XX/XX/XXXX, North Carolina law had some requirements about fees such as this that Wells Fargo failed to comply with. Around XX/XX/XXXX Wells Fargo mailed a check for the amount of the inspection along with an explanation that they where refunding the amount of the inspection to get them in compliance of this law. 
Wells Fargo charged interest on this amount for many years although they did not refund any of the interest and upon requesting they do so they said they do not offer any interest on fees collected in error, their error ( or non compliance ). 
Obviously this company will not loan money at 0 % interest nor should I, they had the money for 7 years to do what they wanted to. 
Now because they sent a check they fee as if this brings them in compliance, obviously it does n't, if a person gets a speeding ticket because they where driving above the posted legal limit but prior to and after that complies with the law thereafter this does not absolve them of their non compliance with the law, that being said, Wells Fargo Home Mortgage must be required to tender payment for the amount of the non compliance along with interim interest from the date of their non compliance to the date of payment in full. 
This does not absolve them of any fines for violating the state law, it does relieve them from any legal action I may bring against them. 
I will table this matter for 30 days or until XX/XX/XXXX whichever comes later, if they have not tendered payment in full I will take swift legal action, it is in their bet interest to resolve this matter as I will advise my council to request any legal action that may be taken to include a request to have the matter considers a class action. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a call from XXXX XXXX from Premier Portfolio and she stated to me that I owe a payday loan which I opened back XX/XX/XXXX. However, I never applied for a payday loan from this company and I was enrolled with Payday consoldation company which everything was paid off. When I asked her for a letter showing me what I owe, she gave me a hard way to go. I then asked her to email me this information to my email address which I provided to her. I asked her will it be within the hour. I also informed her that I have also contacted my attorney and the attorney general 's office. She asked me for the last XXXX digits of my social security number which I did not provide for her. She stated to me that information was sent to my home and it is showing that I received it back on XX/XX/XXXX. I then asked her for the company name and she then told me that they would not have my information because this company forward to this company. I told her that within Maryland law, if any consumer owes a debt, then a disclaimer is read before a conversation. I told her that I believe that this is a scam and I am contacting my attorney with this information. She told me that she wanted my attorney 's phone number and I asked her if you are willing to provide this information to my attorney then why would you deny me the right to have this information in front of me. I told her that I would like to have this in my email. I still have not received this information through my email. I want to file a compliant and ask that this company not call me anymore. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have never received a right to dispute or a validation of debt. Furthermore, I have filed previous complaints alleging re-aging and inaccurate credit reporting. I am attaching a copy of my XXXX credit files, provided directly from the credit bureaus. These documents prove that the date of first delinquency and date of removal are all different. With correct reporting this would be impossible. The date of first delinquency is a firm unchanging date that must remain the same between bureaus as it is a record of fact, a singular point in time that the alleged debt became delinquent. The bureaus do not generate this information, it is provide by the collection agency. This inaccurate information is a violation of my consumer rights and a violation of the FCRA. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Good afternoon, I am currently enrolled XXXX at XXXX XXXX College and Sallie Mae continues to fail to update my account even after verifying the student clearing house of my enrollment causing a financial crisis. I spoken with XXXX or XXXX Sallie Mae reps who confirmed my name being in the clearinghouse and each time I am told something different. the first gentleman stated that once my enrollment was verified my account would return to deferment. On my fourth attempt to resolve this issue, I call Sallie Mae on XXXX/XXXX/15, I spoke with a XXXX, employee ID # XXXX, I was told by XXXX that schools have a deadline to enter students names in the clearinghouse. My balance went from {$300.00} due to now {$600.00}. She also advised me that it takes XXXX days to clear my name. Which I know is a lie. While attending XXXX University in Georgia, my name was entered into the clearing house electronically and this was never a issue to have to constantly call Sallie Mae for a resolution. Also, XXXX XXXX College financial aid officer stated that names are entered every Wednesday and there are no deadlines. I believe this is a clearly an attempt to collect monies which breach the student loan contract. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A woman from the state of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX used my XXXX drivers license and social security number to purchase a car thru a loan company called XXXX to purchase a XXXX car. I did not have anything to do with this. I would think this is highly illegal. This transaction showed on my credit report on all XXXX bureaus as a positive item which has effected my debt to income ratio. I need this removed I did not buy a car. 

Company response: Company chooses not to provide a public response
Consumer complaint: Discussed payment options with Hunter Warfield, Inc over the telephone on XXXX XXXX, 2015 regarding my debt. I was told by the employee that payment by check was not acceptable and I would only be able to pay by credit card with a {$14.00} processing fee. The company 's website does however state that payment by check is accepted. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I did a credit check and I have paid every debt on my report etc, but I discovered XXXX derogatory comment. The deragory comment was for {$120.00} that was sent to collections by CBAASSOCIATES on behalf of XXXX XXXX XXXX XXXX. ( The derogatory report is attached ). 

I do not know what this debt is about my XXXX is in XXXX XXXX. 

I do n't know what this Judgment is and I am not aware of anything validating this debt. 

To resolve this without CFPB involvement II sent an e-mail to CBAASSOCIATES on XXXX XXXX, 2015 to determine what this was regarding. In the e-mail I stated I would file this report if I did not hear by Friday XXXX XXXX, 2015. 

The XXXX XXXX, 2015 e-mail is attached. 

Conclusion : I have XXXX negative mark on my otherwise spotless credit as a result of this alleged {$120.00} debt that I do not know anything about. 

If it is a legitimate debt I will pay the {$120.00}, but I do n't like that this Credit Collection Company can avoid due process and put this on my account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Debt was the result of an identity fraud from a bank 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Debt was the result of an identity fraud from a bank 

Company response: Company chooses not to provide a public response
Consumer complaint: This lady " XXXX '' from precise financial group called my employer while I was working asking for me & being extremely rude and disrespectful to the person answering the phone. I work in XXXX so they have to ask questions of who is calling due to confidentiality of patients. She then got a hold of me & was being threatening, rude, talking over me, after I said several times do not talk this way you are being unprofessional and not talking like a grown lady. I then said this is my XXXX time asking you to NOT CALL MY JOB, we went back & forth I told her to give me payment options and she was rude an said the amount she needed to collect, she also asked when can I make a payment I said XX/XX/XXXX & she said NO I CAN NOT WAIT THAT LONG YOU HAVE HAD LONG ENOUGH TO MAKE A PAYMENT I NEED A PAYMENT NOW I then said you don ; t know my finances and what I pay I ca n't make a payment today! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am with bank of america and I have a core checking account. I have recurring monthly charges to be billed to my account, and in XX/XX/XXXX and XX/XX/XXXX i was charged overdraft fees for services which automatically billed, and the bank determined to clear on the own volition. I did call into bank of america on XX/XX/XXXX and was advised by the supervisor that the fees were valid, and that i had no right to their return, even though i had originally requested a bank account that would not let that happen. I was then advised that the checking accounbt i was in, allowed for those to go through, i could not stop it, burt i should have been originally set up in a " safe balance '' account. this is a checking account from bank of america that does not allow those charges to go through. I was never advised this bank account existed previously. the person at the branch did not ever advise me of this bank account even though it best suited my needs and requests as a consumer when i opened my account in XXXX of XXXX the banks website does not offer the checking account product to someone going to open a checking account online. the supervisor came back and was unablke to show me on the website where the safe balance checking was offered as it isnt. consumers who do not want their debits to go through without proper funds in their account have no option online or available in the branches if they do not specifically know to ask for that specific account. i was told wiith my account it wouldnt happen, and yet it did. the supervisor did refund the {$70.00} in fees at the end of the call, but also stated there was no way for a consumer to know about the other account unless specifically offered it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I chose that they contacted my employer but that 's not even the main issue I have. My complaints are with accounts research on XXXX XXXX XXXX XXXX XXXX tn. I spoke with XXXX. He has contacted me about debt collection of a {$480.00} bill. With how busy I have been being in and out of the hospital, taking care of my toddler, moving, etc. I was just now getting back with them today. They called my husbands place of employment. Which we definitely never gave them permission to do but I still called them back because I realized I needed to make a payment on the account. So I called this morning and offered to make a {$50.00} payment today and start up a payment plan and they refused my payment. I was told that I either had to pay half today then half in thirty days or pay all today. Otherwise it would be turned over to court. So distraught I got off the phone while I was trying to figure out my options. I literally do n't have the amount of money they requested. So I was scared of what was going to happen. I called the doctors office that the bill was originally with and tried to find out if they could get the bill back so I could start a payment plan with them. They told me they had signed a contractSaying that they could n't do that so I called XXXX this afternoon and this time I recorded the phone call. Not only did they not verify my identity, he basically called me a liar about speaking to the Drs office, he called me irreasonble because I could n't pay the amount that he is requiring, and refused payment once again. He also ended the conversation by stating that he was n't willing to work with me. Now I understand that I owe a debt and that the debt has went on longer than it should have but now that I 'm able to start paying a little on it at a time I should n't be told no. I definitely should n't have to deal with someone that wo n't even consider working with me. Life happens and sometimes you do n't have {$500.00} spare to spend out but since I was trying to take care of it a little at a time I believe this situation should have been handled a whole lot differently. Once again I did record the final phone call that I can email to someone if they need proof of this interaction. I thank you so much for taking my complaint into consideration. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/2015 at XXXX CST I received a voice mail from RMR. In regards to my Husbands ex wife. I informed them I have nothing to do with her. They stated that she provided my number. told them she does not have my number and this is a cell phone to never call it again. I instructed this is a cell phone and not to call it again. On XXXX/XXXX/2015 at XXXX CST I received a call and voice mail form another number regarding the same company and same matter. I called the number back spoke to a very rude rep who stated that i had to wait XXXX hours for my number to be removed. Was told the computer called me advised them since they were informed this was a cell phone with no authority to leave message or call they have violated the TCPA. i spoke with a XXXX XXXX who was very rude. I am being harassed over a debt that is not mine and i have nothing to do with. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Suntrust Mortgage has been trying to collect unauthorized fees and charges they say are due on my mortgage account incurred during a personal bankruptcy. Suntrust refuses to return my calls, provide ANY documentation invoicing or accounting of mentioned fees in spite of request to do so by legal council. Suntrust states these charges were incurred during a personal bankruptcy. Charges authorized under this bankruptcy were authorized and paid in full ONLY by the bankruptcy trustee. Suntrust was duly notified by the bankruptcy trustee that ALL debts and charges were satisfied in full. This bankruptcy has been satisfied for over two years. Suntrust refuses to accept mortgage payments, provide ANY statements, documentation or legal correspondence regarding this issue in spite of demands to do so by legal counsel and myself. No one at Suntrust will take responsibility for this issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: The company took illegal action against me but your forced choice format does n't allow me to select an appropriate option. They wrecked my credit rating after contacting you for a bill that had already been paid. It is also a continuation of an attempt to collect a debt I do not owe because my wife sent them checks but they simply did n't cash it. I understand I still need to pay them but they are simply not cashing the checks. We have carbon copies within a checkbook and well as torn off bank statements so we strongly believe we did everything in our power to pay the debt off. However, your forced choice format does n't allow a response. It 's also false statements because they told the CPFB they did n't know who I was when they must have. They contacted me immediately after the CPFB closed the case. However, your forced choice format does n't have an option for this false statement. It 's improper contact because they should have gone through the CPFB channels when the complaint was open. Instead, they contacted me immediately after it was closed. However, your forced choice format options do n't allow me to explain that. 

After contacting the CFPB see Case number : XXXX the credit card company claimed they had no idea who I was. The CFPB simply trusted the attorney and immediately closed the closed the case upon which the company immediately called me. Clearly, they knew who I was all along. I identified the bill in the question and checked with my wife who had already paid it and which I have ample documentation to prove. The CFPB chose to close the case even though the company had not responded and I did n't owe the bill they claimed I owed and had destroyed my credit rating which made no sense because they left my wife 's credit rating alone even though the bill in question was on a joint account. The CFPB also ignored that my credit rating was destroyed two days after I contacted them when the bill had already been paid. 

Company response: Company chooses not to provide a public response
Consumer complaint: Amscot did not allow me to get a cash advance because I did not have my current pay stub on me but allowed someone else to get one who was in the same situation. I have gotten cash advances with Amscot before and have always paid them back as agreed. I was not claiming to make a crazy amount of money or even asking to borrow a lot but I was still refused. At Amscot the rules only apply to certain people when they feel like applying them. They refused me because that 's what they felt like doing at the time. Rules should apply to EVERYONE or else it should n't be a rule. 

Company response: Company believes it acted appropriately as authorized by contract or law