AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: An attempt to collect a " debt '' has been going on for about 10 months. Calls about twice a day about 6 days a week. When they would call me after their business hours and I would get the rare opportunity to get passed the machine, a XXXX machine would pick up informing me of the office hours and leave me with either hanging up or paying my " bill ''. 

For the first 6 months, I would pick up the phone call when I could, answering machine would pick up asking if this is myself press XXXX. I would press XXXX and the machine would automatically drop the call or it would not acknowledge my pressing XXXX. 

After some time, I finally got a hold of someone in the office.I asked them to send me proof of the debt because i have never seen any proof of a debt with XXXX XXXX XXXX, Although I do acknowledge doing business with them in the past. They informed me they would indeed send proof via mail and confirmed my mailing address. 

XXXX time I was able to get through to them I informed them again i would not be paying any debt without proof of a debt other than a phone call. They informed me a " letter '' had been sent. I informed them i did not receive any letter and did they have any proof that they sent it out. She said no but she could send another. I then said ok and can I speak to a supervisor about your answer machine dropping calls when i follow the machines instructions. Held for about 20min and the supervisor come on. I informed her about the machines problems and she told me that " she was not the machine '' and could n't say why that was happening and then immeadetly asked " are you going to pay your bill or not, we dont have time for this ''. Insultated, I calmly informed her that I have never received any proof that I owe anyone money. She then said if I wasnt going to pay my bill than she had to go and hung up on me. 

About XX/XX/XXXX, their machine finally allowed me to talk to someone again. The lady i spoke to this time told me XXXX emails had been sent to me. I informed her that i have never received an email from their company and also was told I would be receiving a letter and that her office even confirmed my mailing address the first time we spoke. She did not know how I was notified the first XXXX times but the last was an email. Together we confirmed all of my contact information and she said a letter would go out again. 

To this date, XXXX/XXXX/15 I have never received any written proof that I owe any company any money. I am unable to communicate with this collector because of an ongoing problem with their answering machine, which I informed them about. This " debt '' has shown up on my credit score and am unable to dispute it because the XXXX times I have been able to speak with someone, they claim to send a letter that never comes. 

Company response: Company chooses not to provide a public response
Consumer complaint: First let me say, I have always paid for my homeowners insurance personally. It has never beenescrowed with any bank. My insurance policy stated the XXXX Lender was the XXXX lienholder, and they are still the XXXX lien holder. This can be verified with the XXXX XXXX XXXX XXXX XXXX Florida. Their phone number is XXXX. 

Bank of America has attempted to foreclosure on the XXXX lien, however they lost in the lower court arecurrently appealing that decision. They transferred the XXXX lien out of their name and into the nameof XXXX XXXX, on XX/XX/XXXX and therefore have no interest in the XXXX lien. InXX/XX/XXXX they notified my that they were no longer going to be the servicer for the XXXX lien and thatthey were transferred the servicing rights to XXXX as of XX/XX/XXXX. 

On XX/XX/XXXX Bank of America sent a letter to XXXX XXXX XXXX XXXX, requesting themto change their records to show XXXX Mortgage XXXX as the XXXX lien holder on my insurancepolicy. 

My issues are, Bank of America, currently not having any interest in the XXXX lien and having no interestleft in the XXXX lien, has authorized a change in my homeowners insurance, to reflect the XXXX lienhold to be a mortgage servicer/debt collect, for a lien transferred to someone else three years ago. Bankof America can not require my insurance company to alter my policy for the benefit of a company thatonly they have knowledge of. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an account with a company called XXXX XXXX XXXX for monitoring an alarm service at my home. Everything was fine and I had automatic withdrawals from the bank account I had at the time. Once my home was in escrow, I called XXXX XXXX XXXX and made my final payment. They told me nothing else was needed to close the account and I was in good standing. I did not purchase any equipment from them, nor did I live in the home. A few months later I got a bill in the mail. I called to inquire about it and again they told me it was resolved. Several months passed and I received another bill for an outrageous amount. I called again and they told me that I did not cancel my contract and that I have to pay for a service whether I lived in the home or not. I offered to pay a portion of it out of good faith if they sent me a final bill with a cancelation policy and the account manager " XXXX XXXX '' told me no. In his words " black mail my credit '' if I did n't pay 36 months of payments ( I only signed up for 21 months ). I refused and called again to speak to someone above him which I was denied my request. After I requested to be contacted via email so I can have a document of everything he was staying. I asked for a contract stating where I signed up for all of this and they provided a contract. The amount of months my contract was for was crossed out in pen and re-written and they added to months to it, with no initial or signature indicating that I was in agreement with them. In fact I never gave them my social sec #. Also I found it strange that when they sent me a copy, under my signature shows a cut off signature of whoever " Accepted/signed '' the contract and it has a complete different date on it. SO pretty much you sign a contract, then they modify and resign at another date and tell you that you owe them money. I was upset and I told them I am sorry I can not pay money for something I did not ask for. Two years later I look at my credit report and there it is. This is unfair and unjust. I have went on social media to post a negative review to warn other potential victims, also gave them a review on yelp. The more research I have done I noticed that there are many more people who are in the same situation and worse. 
Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: American Service Co. has denied our Loan Modification due to " more than XXXX units ''. My single family home has detached units that are grandfathered in by the City XXXX and the loan was originated with this status. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was pre-appreoved for a mortgage in XX/XX/XXXX/XX/XX/2014 with Franklin First Financial. I was directed into an FHA mortgage because of my troubled credit history. I was not made aware of the up front funding fee or the annual insurance premium until days before the closing. Yes, I was provided with disclosures, whether they were provided timely I am not sure, but they were not explained to me, rather I was told I needed to sign them or the loan would be declined. 
During the course of the process, my lender was not transparent and was often impossible to contact to help answer routine questions. I asked several times a week when I could epxect an estimate on closing costs, I didnt receive the final GFE until 2 hours before the closing. I was quoted 4 % the entire time, I questioned why the application said 4.5 % he said it 's because he had to 'throw any rate in ' to complete the application. The night before the closing I learned this was my rate and there was nothing I could do about it. Mysteriously, an XXXX $ credit appeared on the HUD settlement statement to help offset the increased rate, but this credit went directly to the seller as he was responsible for all closing costs according to the purchase and sales. 
The lender took well over 2 months to close this loan, which resulted in huge financial penalties to me. I stayed in my home I was renting two months longer than expected and the seller of the property lost his patience along the way and threatened to charge per diem and walk away from the deal many times creating a very stressful situation for me and my family. During the course of this, I recieved a denial letter in the mail after being told by the lender the same day that I would be closing the next week. The underwriter was mistaken, and I had to provide knowledge of rule changes in order for the bank to proceed. The seller, who will be recieving his own series of complaints, held our deposit in his personal account and spent it, prior to closing. We were pre-approved with another lender and wanted to go to him but we could n't do so because our deposit was spent and our seller threated to walk away if we did n't close. 
Further, the seller was in contact with the closing attorney 's office the day of the closing making changes to the HUD up to 30 minutes before the closing, adding miscellaneous fees and costs to reduce the amount of his closing costs, without my knowledge or consent. At closing, I was asked to write a check for XXXX $ which was the additional deposit amount required when I made a change to the purchase and sales changing the purchase amount from XXXX to XXXX. I already paid this difference via check to the seller and the lender failed to request evidence of this payment prior to closing, so as a result I was forced to pay it again and told to 'ask for it back ' from the seller ( who had been so reasonable throughout. ) I could go on and on, and I 'd be happy to, but I feel that I 've provided enough information to get an inquiry started. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America has engaged in fraud in overcharging me for Homeowners insurance : The charges added to my mortgage are roughly 400 % higher than the actual costs of insurance, the overcharges are as follows:XX/XX/XXXX XXXX XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXXPlease help. 
XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX I called Experian about an ongoing issue with my Credit Report for in accurate items that are listed on my credit report. I talked to a representative named XXXX from team edge for XXXX minutes and XXXX seconds. She went on to tell me that the incorrect account status that I 'm viewing is n't the same thing that she is seeing on Experian 's system, which is a charged off account with the bankruptcy notation. I have XXXX accounts that are listed under bankruptcy that are supposed to be deleted after 7 years of the discharged date. These accounts list that they will be removed XX/XX/XXXX. These accounts are still listed as negative items after my discharge. I then asked to speak to a Supervisor and she stated within XXXX seconds that there was n't one available. I then told her that I recorded our conversation and she immediately said that I did n't have a right to do so, but that Experian records all phone calls. I asked for the CEO and she refused to give me that info but gave me a pone number to call. My rights have not been abrogated. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got a call from someone who identified themselves a from " Healthcare collections. '' They asked for personal information that I refused to give. When I asked for more information, they hung up on me. I checked their phone number ( XXXX ) with the Better Business Bureau and XXXX and nothing came up. I do n't believe that I have any outstanding medical debts, but if I do, I want to pay them. This, however, sounds shady and I wonder if it 's a scam. If it is a scam, someone else may fall prey to them. 

Thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: I bought what I thought was my FICO score from Experian in XXXX 2015. I paid {$4.00}. As it turns out I was enrolled in a credit monitoring program without my knowledge. I called and cancelled the program on XXXX XXXX, 2015 at XXXX XXXX EDT speaking with XXXX and her supervisor XXXX. They agreed to refund XXXX months premium of {$19.00} back to me but refused to refund the XXXX months premium. I feel I was slammed with this as I had no idea I was signing up for this service and only thought I was was buying my FICO score. I feel they are using deceptive practices to sell this monitoring program. They then make it as difficult as possible to elevate the problem to a higher level. I request that you investigate Experian 's business practices with regard to this and I would like my full refund of the additional {$19.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is being reported on my credit report. It is not mine. 

Agency Address : XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Reported : XXXX Assigned : XXXX Classification : Medical/Health XXXX Name XXXX XXXX XXXX XXXX Number : XXXX Owner : Individual Account. 
Original Amount Owned : $ XXXX of XXXX XXXX Delinquency : XXXX Date : XXXX Owned : $ XXXX Payment Date : XXXX Date : XXXX : M - Wage EarnerComments : Bankruptcy chapter XXXX, Collection accoun 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I filed a dispute with Bank of America regarding a service I did not receive. The complaint began on XX/XX/XXXX, and each time the response from the bank is the same. I have provided documentation that shows the business did not perform the service, and I stated that the complaint was regarding a service not received. In each response, the bank claims they reviewed the case, but will respond by denying the claim because " it is not a wrongful post to the account. '' I have provided documentation. I have asked for an explanation for the denial ( an explanation that would apply in this scenario ). I have asked if there is any addtional information that is needed. In every instance, I simply receive the same letter with the same resolve. The company will not do a complete review, and does not provide any resource to speak with a manager. I was told there were no managers in the dispute department. I have tried relentless to speak to management without any resolve. I have asked for clarification on this issue and I do not recieve it. I had my car serviced on XXXX/XXXX/2015 at XXXX in XXXX Florida. I paid XXXX for a fuel pump system. After the car was serviced, it stopped working two days later and had to be towed back to XXXX. XXXX kept my car for almost two weeks, and I was told the part that was put on was defective. Again, when the car was returned to me, the car stopped running a few days later and had to be towed. The car has not been fixed since its release date on XXXX/XXXX/2015. I notified Bank of America and filed a legitimate dispute. The response is " we do not find an error in the post to the account. '' I have received this response XXXX times and 120 days later, Bank of America 's dispute department has yet to clearly identify that my complaint/dispute is for a service that I did not receive. 

Company response: Company chooses not to provide a public response
Consumer complaint: I rec 'd reports from XXXX & XXXX however when I was transferred toExperian I had XXXX alternatives to get report ( 1 ) join yearly club for {$1.00} to getget a free credit report ( 2 ) monthly for a fee & ( 3 ) free credit report plus credit score for {$19.00} the other agencies were {$9.00} for score. It is very DECEPTIVE. I could not find out how to get our FREE credit report. I havecalled all the numbers given to me which are recordings with no personal help. I also called XXXX to have copy mailed and they said they could not maila credit report at this time. What Experian is pushing is a membership inCredit Tracker for {$21.00} a month or pay {$19.00} for report & score. If there is aarea on that page to apply for the free credit report it is well hidden. 

Company response: Company chooses not to provide a public response
Consumer complaint: the apartment where I lived put I owe the XXXX on my credit report rent was paid on time never received any bill at new home for this amount checked credit report 5 months later to find out this was submitted on my credit 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 'm trying to perform a trivial operation - temporarily lift a security freeze on my credit report. However Experian 's website is not working correctly ( it repeatedly gets stuck at " loading '' ). When I call them, I get an automated phone tree with limited and inappropriate choices. I can not speak to a real person to perform this trivially simple operation. This is wasting an enormous amount of my valuable time. This company makes money from me therefore it should be more accountable and responsive. I strongly support heavy federal regulation to ensure this happens. Please tell me what I need to do to cause this to happen. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I am having an issue with my mortgage bank. Basically what happened was last year my loan was sold to Freedom Mortgage Bank. The bank lowered my mortgage payments by {$200.00}. I had called few times and asked why and they explained to me that my property taxes went over {$2000.00} down a year was little confused about it so I had called again and different represanative told me the same reason. I did n't believe that property taxes can go down so much, but I did n't know what else to do so I believed them. This is my XXXX home so I am really new at this. Now a year later they sent me a letter stating that my escrow is over {$4000.00} short so they want me to pay for it. I had tried calling them and they are giving me lot of runs around and no one i willing to explain to me how they made this mistake and why do I have to pay for their mistakes. I had tried to get help by contacting my town hall tax assesors, counselor for my district, even the loan officer from previous bank before my loan was sold and no one is able to help me. I just want to know if there is anything that could be done. I honestly do n't think that this is right. It was their own big mistake and now there are trying to make me pay for it. Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: Buckles and Buckles, P.L.C. has wrongly made numerous attempts to collect on a debt, provided the court with untruthful information leading to a default judgment against me for {$10000.00} which I NEVER received service of. After I contacted Buckles and Buckles informing them I was the wrong XXXX XXXX and providing my social security card proving it did not match the social security number listed on account. Somewhat incredibly Buckles and Buckles refused to dismiss the judgment and more incredibly refused to properly investigate, maintaining their original position. Additionally, once i became aware of their attempt to tag me onto this debt, i sent them a letter specifically requesting proper validation. Buckles failed to provide any kind of legal documentation of any application. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 've called numerous times to try to get a payment plan set up and every time they send me to someone else or tell me there is n't nothing they can do, I currently have very limited income and so does my co-signer. I understand that I took out the loans and I want to pay them back but I 'm currently having a bit of trouble. I thought I 'd be ending college with a degree and a job instead I was XXXX on my campus and my grades suffered afterwards I went from deans list to academic suspension, I tried to get my grades up but without funding I was unable to rejoin school, now I 'm struggling to get back on my feet and Sallie Mae as made it impossible to work with them to figure out a plan until I can get a better job to pay more. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Boa has got to be the worse and most insensitive bank of all. They charge all these overdraft fees plus and extended fee. I have been with them for years and i also use direct deposit so why do they treat their customers like XXXX. I am a single mother and i cant afford to give any extra money to them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have recently discovered that XXXX XXXX has reported a delinquent account to my credit report in the amount of {$250.00} in which they state on my report that they are the original creditor and that the account was opened XX/XX/XXXX. There was no such account opened in XX/XX/XXXX. The original creditor was XXXX ( and XXXX is no longer in business ) in which the account was sent to collections in XX/XX/XXXX by XXXX. XXXX XXXX failed to have ever send me a debt validation notice 15 U.S.C. 1692g They have further falsified information on my credit report stating that they are the original creditor and that the account was opened in XX/XX/XXXX, this is simply not true. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is an address on my credit report that was reported on XX/XX/XXXX. I have lived at my residence since XX/XX/XXXX and still to this date. I can prove. If you can please check or remove this address it is not my residence. Thank you in advance. 

Company response: Company chooses not to provide a public response