AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have received multiple phone calls over a 2 year period of time from callers who claim they work for Allied Interstate.I assume this is a debt collection agency, but do not know this for fact. The names of callers are XXXX XXXX and XXXX. The phone number on caller id from these callers is XXXX.They ask for a person by the name of XXXX XXXX . ( I do not know if the spelling is correct here. ) This person DOES NOT live at my house and I DO NOT know her or anyone who has a name remotely close to this. I continually tell the callers to stop calling MY phone number for this person as she does not live here, nor do I know her. They continually tell me my phone number has been removed from their information, however, a month or 2 later, they call AGAIN! Please consider this as a formal complaint against Allied Interstate for harassment as they are calling my phone number for a person who is not associated with this number, nor does she live here, and I do NOT KNOW her. I know the debt Allied Interstate is trying to collect is NOT MINE because my name is NOT XXXX! I PAY my own bills regularly and on time. I do not wish to be harassed by debt collectors looking for someone I do not know. They said the phone call is recorded, so maybe you can get their records and verify that I have asked them multiple times to stop calling my phone number. The most recent phone call was XXXX/XXXX/15 at XXXX Central time. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Apple bank closed my credit card without my authorization. When new card was sent out, which I did not receive. Several unauthorized transactions totaling over 18,000 dollars were made. Report of unauthorized atm/check card was made but bank took not further action. Two years later I still have not heard from the bank. To this day, I still have not received a dime from the bank. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Basically I have problem with a debt collector named First National Collection Bureau Inc ( FNCB ) ( scan enclosed ) for my alleged debt. My alleged debt charged off date, according to FNCB was on XXXX XX/XX/XXXX. Today is XXXX XX/XX/XXXX. The status of Limitation for XXXX and XXXX where I resided have long gone out. ( scans enclosed ). 

Also enclosed are several scans of my credit score and report obtained through XXXX, in which I have a very good credit report. I do n't know why FNCB sends me an alleged debt that has been removed from my credit report long time ago. Please tell them to stop sending me unlawful collection note. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been receiving messages from XXXX ( XXXX? ) Associates out of XXXX. They have been threatening to " process serve me '' on a matter which he will not disclose. Will not tell me where the debt is from ( I Do not have any past due debts ). has been call me my place of employment, as uses addresses which only my place of employment know I would be ( I work with XXXX XXXX ). When asked to submit to me in writing what the bill is and who is asking to collect, he just yesll and states it is too late for that. 

Their number is XXXX. The guy who called me states his name was XXXX XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Talk with bank of america, why my monthly payment since ( XX/XX/XXXX ) not reported to credit agency.Did file bankurpt chapter XXXX .Six years ago .late mo.found all this was happen when trying to refinance loan, No credit history.The bank said no reaffiartion agreement, But send a copy of it to bank ( XX/XX/XXXX ) since then bank said will take 10-12business days.Now bank said not file with county.working on it no time limit.All my paper work on file .Its like nothing is being done 

Company response: Company chooses not to provide a public response
Consumer complaint: unable to get a credit score have all positive items on my credit report. my score should be high. there is no score 

Company response: Company chooses not to provide a public response
Consumer complaint: Back in 2006 I opened an IRRA account through Bank of America and administered by XXXX XXXX ( Account # XXXX ), transferring my retirement funds from my previous Employer, XXXX. I am now employed by XXXX and wished to roll the money into the State of Washington Deferred Compensation Program ( DCP ). I started this process back on XXXX/XXXX/2015 but continue to encounter roadblocks. 

The state has requested the funds be sent over as a check, see attachment, per their procedures. However, Merrill Lynch claims they can only transfer funds only after I receive a XXXX XXXX XXXX. According to the State, they are not a banking institution so they do n't use or provide Signature Stamps. I 've never heard of such a stamp but the people at Merrill Lynch assured me I could get XXXX from any Bank of America. I went to XXXX different banks ( XXXX in XXXX XXXX and XXXX in XXXX ) and all indicated they could n't give me this stamp. I was then directed to check with another institution ( XXXX XXXX in XXXX ) and they said although they could provide a stamp they do n't do it with a document stating that a stamp was required. 
I 've left numerous messages with staff at Merrill Lynch ( XXXX and XXXX XXXX ) but have been unable to reach them for further assistance. I 've believe that I have been patient in trying to move my funds from XXXX organization to another. ( See attachment ). 

Company response: Company chooses not to provide a public response
Consumer complaint: FIA Card Services ( FIA ), issued me personally a XXXX in XXXX 2013 on a business debt ( an LLC ) of {$8800.00}. The card was obtained for business purposes. The card and all statements showed that it was a business card. FIA never reported the card on my personal credit report. FIA knew that the debt was a business debt and issued me with the XXXX anyway. I called repeatedly, but FIA would not correct the XXXX. I could not afford a tax professional, so I reported it and paid for it on my 2013 federal and state tax returns. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, 2011 the law showed up and our home to evict us due to foreclosure, along with my children one week before XXXX. We had fought with Bank of America for 1.5 yrs, trying to resolve when my husband and I both lost our home, we even had payoff which Bank of America refused, why, because the mortgage was wrote off and the sell of my home was profit only for Bank of America. We were told we would receive the paperwork we needed to sign and return so keep our home within two weeks, they came and went no paperwork, we called again withint two weeks, this went on and on. Needless to say we lost the home in which i grew up in and my children grew up in a house i had paid off XXXX mortgages for. Not only did Bank of America force us into Insurance that raised my payment from {$640.00} to {$1100.00} per month, they lied and would call us XXXX or more times a day or their machines would call us. We went to the debt counselors required of us and they to said we could keep our home if we followed instructions which we did to no avail. So, in the settlement we got a grand total of around {$800.00}, which was nothing more than an insult. We moved into a house which by all rights should have been condemned, we stayed there as long as we could getting together the money to move, we now live in a place that at best is barely standing, i have elderly family ( father ) that i have to stay close to. I hope anyone reading this never uses Bank of America, my husband and i both work and do not receive government assistance in any form. Yet, we have lost everything, there was nothing then nor now to help us recoup anything we lost, our credit our home was stripped by Bank of America while they gave themselves million dollar bonuses with the money i work and pay into taxes. Yet, no one was there to bail my family out. I know just in my area there were several that went through the same problems my family did. So much for the American Dream!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I used my Paypal account to buy an item from XXXX. The product did not show up until 6 weeks later and was faulty. I went to Paypal seeking a refund from the Vendor and was denied because it was over thirty days in billing. I 'm out of {$12.00} and most likely so are thousands of other people. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I refinanced my primary residence under HARP in XXXX 2012. My loan was with Bank Of America. I was underwater more than 125 %. I was coerced into getting the refinance loan from bank Of America. XXXX XXXX was the loan officer at BOA. I was constantly told that only BOA is allowed to refinance as I am underwater 125 %. And, they gave me a very high rate. When the market rate was 3.5 % I was offered over 4.5 %. I had no option but to pay more than 1 % point fees to get 4 % rate to reduce my monthly payment. During the whole process I was told to hurry because the program will end soon. I felt like cheated. I wrote to XXXX back in XXXX 2012 about my concern and she never responded. I wanted to file a complain in XXXX but got too busy with my life. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted last week on behalf of this company telling me about a debt for my daughter. They did not explain to me that I could dispute this claim nor did they mail me any information about this debt. The collector was very rude and I was just trying to figure out what she was talking about. I filed a complaint with the XXXX as well. But, it should be against the law for them to add this on my credit report without giving me all the information. I believe that someone has been fraudualent and used my medical information. They put this on my credit report without telling me that they would do so. They even said hey spoke to my husband in XXXX. I am. It married. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX of XXXX my Mother passed away suddenly. She and I had been living in a house which was in her name since XXXX. She left me this house in her Will, which I immediately had to get an attorney to go to probate court to get the house put in my name. This did n't fully happen until XXXX of XXXX. I paid the house note by myself up until XXXX of XXXX. I tried to catch it up in XXXX of XXXX, but my payments were returned to me by Nationstar Bank. ( XXXX XXXX XXXX sold my loan to Nationstar in XXXX of XXXX, and they said I was missing a payment then, but I told them I made the payment, they just lost it. ) They hounded me and hounded me from XXXX XXXX until XXXX XXXX. This is when they sent me a letter stating they were going to foreclose on me if I did n't come up with like {$18000.00} for two months notes and fees, etc. There was no way I could do this. I tried several avenues to try to get the house refinanced and all of them fell through. My credit was n't good enough. I filed bankruptcy Chapter XXXX in XXXX hoping this would help me be able to get back on track with my mortgage payments, but Nationstar refused to work with me. I began getting threatening letters from them stating they had attorney 's who would be foreclosing on me. Finally in XXXX of XXXX I got a letter from them stating they would be putting the sale of my house in the paper three days in XXXX. I panicked and found an attorney who would help me put a stop to this. So he filed Chapter XXXX which put a stop to the sale of the house the day before. However, the house then went to the hands of the Trustee 's office for me to begin making payments to them for the house, my car and arrearages on the house. This is totalling {$1900.00} per month just to keep my house and my car. I only bring home {$2600.00}. I do n't know what to do anymore. If I cancel the bankruptcy then I lose the house and car, if I continue on with these payments ( which they are garnishing my check for ) I wo n't ever have any money for other things. I 'm between a rock and a hard place. I do n't which way to turn. 
Please someone help me. Thanks, XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My issue is with Bank of America. I have Visa and XXXX cards with them. For years ( more than XXXX ) I had them set up with automatic payments coming from another financial institution to cover the monthly amounts due. I started receiving notices that my payments were over due with added late charges. I checked with Bank of America and they told me that the automatic payments had been canceled. They tried to tell me that I had requested the cancellation which I did not. Then they told me that the institution where the payments were coming from had canceled the payments. They did not. I got the automatic payment set up again. A few months later I started receiving notices that my payments were overdue with associated late charges. When trying to determine why this was happening Bank of America could not give me any good answers. Over the past year Bank of America has XXXX times canceled automatic payments which I had set up. In the delinquency letters that I received it was stated that they could increase the credit card interest to around 30 %. I am very concerned about the impact this has had on my credit rating. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX Mortgage is reporting that our forclosure happend in XX/XX/XXXX, when in fact it took place in XX/XX/XXXX. It was then resold in XX/XX/XXXX but they are reporting false information. There are public document on the property at XXXX XXXX XXXX XXXX XXXX XXXX, AZ. 

Company response: Company chooses not to provide a public response
Consumer complaint: PayPal limited my account and then closed it within 24 hours without providing any documentation for why they are closing the account. They are also holding my funds ( $ {$650.00} ) for 180 days before even telling me how I can get them back. They are refusing to respond to my emails/questions as well as refusing to deposit my funds into my linked checking account. I find it completely unacceptable that I would have to wait 6 months to collect the money that is in my account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had XXXX in XX/XX/XXXX/XX/XX/XXXX then ended my services with them in XX/XX/XXXX. The sent me a bill dated XX/XX/XXXX showing : Bill Amount : $ XXXX & Payment Due Date : XX/XX/XXXX Then the following I got a bill for them for an equipment, which my husband had taken back. I sent XXXX XXXX XXXX XXXX a dispute letter. A manager called me and asked to speak with my husband to verify ; I told him that my husband had died XX/XX/XXXX. He apologized and he would close the account because my balance was actually a credit. Now this year I found this account on my creidt report from AFNI a collection agency with a balance of {$780.00}. I have tried without success to convey to this agency that this is a mistake to no avail. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX was a place i rented an apartment, this apartment became VERY unsafe for myself and my daughter. We were threatened on numerous occasions, XXXX. I had to leave this apartment prior to lease, i wrote letters to the leasing office and spoke w/ them personally. they said i could leave and no monies would be owed then a collection company reported a {$6000.00} balance on my credit. this is not a true collection! i left for safety issues owing brookstone {$0.00}. NATIONAL CREDIT SYSTEMSXXXX XXXX XXXX, XXXX ( XXXX ) XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Filed suit against me in XXXX County Court of Common Pleas. Negotiated settlement with XXXX dollar down payment and XXXX dollar monthly payments. Made XXXX monthly payments on time. Since then have not received any verification that debt collector received my payment, no communication via mail, and phone number is out of service. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've just chosen the largest umbrella issue that I could find, but there are significantly larger issues. Since I 've submitted written inquiries on the web site ( with no replies ) and called multiple on the recorded line, there should be proof of what I 've received. The letter clearly states that I have 30 days for the dispute, yet I was nearly threatened by the rep that unless I pay the bill tomorrow by XXXX, this will stay on my report forever. During every single phone call I 've made, as soon as I 'd state my name, I 'd be transferred, transferred and then transferred again and this game would go for the minimum of XXXX minutes. After finally reaching the rep, I was told a large amount of information with little to none backing and when I requested it, I was told that it 's coming eventually, but that I have no choice and that even if I offer proof, it will not do anything unless I pay the next day until XXXX and otherwise it stays on my consumer record forever. Furthermore, after googling the firm and trying to find more information, I 've found multiple other occurrences with this firm and mistreatment and abuses especially since all the employes never disclose their full name for the recorded line. Some information can be found here : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a Best Buy Mastercard for several years. Out of the blue I noticed a {$59.00} annual fee that was never there before. I called and was told they are now charging an annual fee so I asked them to close my account. The {$59.00} fee is still due and I have been told that I must pay it or my credit will be affected. I never paid a fee before, nor did I use the card in many months that would result in a default acceptance of the fee by using the card. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX- representing an affidavit from XXXX XXXX XXXX Said that I since I refuse to pay they will send to my XXXX for an arrest warrant. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: My Bank of America Credit Card statement balance was paid in full before the due date, and I was still charged a fee listed as a minimum interest charge. I called customer service and explained that the statement clearly showed that my previous balance minus my payments & other credits added up to XXXX, just like the previous month when no interest fee was charged. But, the customer service representative told me it was Bank of America 's policy to still charge me a minimum interest charge regardless, and emphatically stated that this policy was not going to change. I believe this is a misleading and deceptive practice by Bank of America, that is in clear violation of my credit card agreement, and should be illegal. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received threatening letters so i called to clear up the confusion and its just a gimmick to have you call and be sold XXXX or get a " free XXXX gift card ''. There is no representative available to speak to, just a recording to connect you to sales. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mom has been getting phone calls for 13 years about an old bill. Yes from 13 years ago. They have threatened to remove her furniture, take money off her credit card and now contacted mom 's neighbors to knock on her door. My mom is XXXX years old and almost completely XXXX. These people almost gave her a XXXX XXXX this week. Especially when neighbors are involved. 
My mom 's name is XXXX XXXX. resides in XXXX. I told XXXX XXXX she is in a XXXX home, so she stops calling. 

I have called debt management to confirm statue of limitations is 7 years. They have called relentlessly for years. 

I would like your help in contacting them and I would like to press charges for their scary tactics that has seriously done damage to us. 
They are XXXX XXXX XXXX XXXX XXXX TexasXXXX XXXX is the nasty lady, her number is XXXX XXXX but she picks up the call. 

Thank you so much, XXXX XXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: This company Atlantic Credit and Finance is calling me up to 5 times a day on my cell number. From phone number XXXX as well as calling my work phone number. They were never given permission to contact me at work, or harass me at my place of business. I find their multiple calls daily very harassing. I have blocked their number so now they call me at work. I have asked them to no longer call there either because I am not allowed to take personal calls at work. 

Company response: Company chooses not to provide a public response
Consumer complaint: Agency refuses to update my account to the credit bureaus and supply the information that my debt has been reduced after consistent monthly payments. Under Sect. 623 of the Fair Credit Reporting Act, they have the duty to report supplementary information to the credit bureaus. When I have called them about it, they are insulting, abusive. I waited on hold for 45 minutes while they supposedly researched the statute but I finally had to hang up, so I could n't hear what conclusion they reached. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to XXXX XXXX XXXX MI and was told I would have a loan thru Genesis Lending which I learned was been since investigated. I have had issues with the Instiutute itself and can not rid myself on the ongoing debt and no way to fix the issue. I am in debt {$16000.00} for a XXXX XXXX certificate in which I never got due to issues with promises of an externship. Once externship started I was told I didnt do well enough or only given limited access to the job I was to learn. The Genesis Loan I have tried to resolve but I get phone calls and letters weekly. I can not pay back any money if I am unemployed. I have discussed with them several times and I get the same answer. Its unclear to me also how I am responsible for paying back loans on a college that the government had to shuit down due to the dishonest nature and students left in unreasonable debt. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Regions bank in XXXX XXXX, LA. I have had a several different bank accounts and have had several problems with them. My account is now over - {$230.00} due to overdraft fees. My account was low so the bank took a {$8.00} monthly fee to my account that was already- {$4.00} over withdrew so Regions then took - {$36.00} for them overdraws on my account made by them. 2 days after my account being negative Regions then charged me a {$10.00} rewards fee. and charges me another {$36.00} overdraft fee. Now I have credit company from Regions calling me everyday after I had explain that Regions has made {$160.00} just in overdraft fees. Please help! This bank has been doing unfair business to thousands and now is going to farther ruin my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a loan modification recently and was denied based on the fact that I had a prior modification from XXXX. In the modification from XXXX, our loan payment increased by XXXX along with our principal balance. 

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