AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I called Overton Russell Doerr and Donovan because I received a letter that a judgment would be placed against me. when I called there company I was greeted with rudeness and utter disrespect. I was first told they would not speak to me with out a phone number, when I gave them my phone number they said it was unacceptable and they needed another, I tried to explain it was my only cell the rep refused to listen and kept claiming i was lying and it does n't seem like a real number so i asked to speak with a manager. When the manager came to the line she said the same that the number i provided sounded fake and that they were doing me a favor by trying to help and that they could just hang up and sue me. when I said caller ID would verify my phone number the manager then started to say i sound like Im on speaker phone and she would hang up immediately if she was, when i advised that she was n't, she said she better not be or she would hang up and forward my account, I told the manager that I just wanted the original bill because I had some discrepancy she stated that all I was doing is stalling and that " guys like you never want to pay there bill '' after that I was so upset I said just send me the bill and hung up the call. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XX/XX/XXXX, I signed papers for a Reverse Mortgage with Generation Mortgage Company, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. I had been working with their representative via phone and email on this loan for more than XXXX months. She was very helpful and knowledgeable, yet when the closing representative came to my home, he brought incorrect documents for the wrong type of Reverse Mortgage. There were XXXX pages in the paperwork and I inadvertently signed the wrong type of loan. I trusted that Generation Mortgage filled out the right paperwork and I trusted that I should sign where their closing representative told me to sign. 

Only a few days prior to this I received an email ( which I still have on my computer, showing the representative 's information AND the Generation Mortgage logo and information ) from the Generation Mortgage loan processor listing exactly what dollar amounts I would receive at closing, what that first disbursement would pay off and how much I would be left with AND exactly how much ( plus growth ) I would receive on day 366. When I spoke with a supervisor at Generation Mortgage the end of XX/XX/XXXX, she said that the processor no longer works for them and " unfortunately '' I signed the wrong type of loan ( the difference is in a fixed rate or a flexible rate loan ). She said the word " unfortunate '' so many times that I finally told her " this is WAY more than " unfortunate '' to me! 

I was never told there were XXXX types of Reverse Mortgage loans and I certainly would not have signed the documents had I been told that if I did sign I would be " forfeiting '' the XXXX half of my money on day 366! 

I am a widow. I lost my husband of XXXX years four years ago to XXXX XXXX. I was greatly depending upon this money I was to receive on day 366. My husband and I spent all of our money trying to save his life. This Reverse Mortgage money was supposed to sustain my retirement. I should have received nearly {$30000.00} on XX/XX/XXXX. It is now XX/XX/XXXX and I am in dire financial straits, thanks to what I consider to be " bait and switch '' tactics used by Generation Mortgage. 

In my opinion, Generation Mortgage needs to simply re-do my loan papers, changing them to the type of loan I was led to believe that I was getting at the time. They need to do this immediately and disburse the XXXX half of my money to me right away. I have forwarded the emails from their representative to the supervisor I spoke with and she said, " I see where your confusion is coming from. '' I am NOT confused and I think the emails are very clear. They simply " checked '' the wrong boxes on the paperwork giving me the wrong type of loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently ( today ) had to make an online transfer from myBank of America account to a International German account. 
I always relied on good service and integrity of the bank buttoday just really made me very upset. I checked the nationalexchange rate for XXXX euros and its XXXX dollars. I checkedseveral other currency exchange online and they all say onon or about XXXX dollars. I made a XXXX euro transaction andBank of America says it is XXXX dollars. " Their '' currencyexchange is really XXXX dollars more?? It is honestly pathetic. 
I did not looked at this before, I did not know this was thetype of services I was getting provided. It is unfair for thepeople whomake an honest living getting cheated this way. 

Company response: Company chooses not to provide a public response
Consumer complaint: SOUTHWEST CREDIT SYSTEMS LP has issued a collections to all XXXX credit reporting agencies. I called and when I called they said it was a bill from XXXX XXXX XXXX - this is not possible as I have been a XXXX year client of XXXX XXXX XXXX in good standing. When I asked for more specific information I was passed to XXXX different people - all of whom said it was a XXXX XXXX XXXX bill. When I had said this was not possible and they needed to remove it from my credit report I was told " We understand, but we ca n't do that '' - I insisted they could. I was passed up the food chain and was told the same thing - on the XXXX person I was then told that this was not a XXXX bill, but rather a XXXX bill from over XXXX years ago. I left XXXX years and years and years ago and said I had no bill and could they show me the bill and why were they saying XXXX XXXX XXXX? I then was told that this was fraud and they would sent a packet in the mail - the packet insist I file a police report and supply a substantial amount of documentation. This is all very much not above board - I was given wrong information, given improper information on my rights, they do n't have a bill - How can I file a police report from a bill from over 5 years ago of which no one can get me a copy of said bill? Also, no answer has been given about the XXXX XXXX XXXX bill which is what XXXX of their agents told me prior - lastly, saying " we ca n't do anything on the credit report '' - when they issued it, do n't know what outstanding bill there may or may not be - is very troubling. Only because I knew my rights was this issue escalated and even now - they have no bill and no information. 

Company response: Company chooses not to provide a public response
Consumer complaint: Each and every time there is a returned check on my account and I am charged a insufficient funds me, I understand but this extended overdraft balance charge fee, which Bank of America calls a courtesy to their customers is wrong. They will take XXXX check returned and add a {$35.00} insufficient funds fee, then send it thru XXXX to XXXX times at the same amount for {$35.00} overdraft balance charge fee. Making the customer pay as much as {$140.00} for XXXX returned check. 

Company response: Company chooses not to provide a public response
Consumer complaint: Initial letters from Sunrise Credit Services ( SCS ) office were dated XXXX XXXX, 2015 & XXXX XXXX, 2015. I received XXXX different notices from XXXX XXXX XXXX ( XXXX ) dated XXXX XXXX, 2015 & XXXX XXXX, 2015 stating they were still servicing my loans. As such, I disregarded SCS ' initial letters as XXXX entities are not allowed to collect on the same debt at the same time. 

I was notified of SCS ' involvement from XXXX XXXX XXXX ( GLS ) as of XXXX XXXX, 2015, therefore any disclosures made by SCS prior to that date are void. I have not been notified of a default on these loans and as the balance SCS is reporting is inaccurate, any default that occurs prior to SCS resolving the dispute is also void. 

Each different SCS account number on their XXXX XXXX letters lists the same amount owed of {$9500.00}, which is inaccurate. SCS letters misrepresent the outstanding balance on each of the XXXX loans taken out with XXXX XXXX XXXX ( XXXX ) as {$9500.00} for a total of {$28000.00}. There were XXXX loans taken out through XXXX and the total of those XXXX loans was {$9500.00}. 

I would also like to bring your attention to conversations with representatives of SCS ' office ; XXXX XXXX, XXXX XXXX XXXX XXXX ( unknown last name ) on XXXX XXXX, 2015. SCS representatives disclosed the nature of the call without confirming my identity, under the FDCPA that is known as third party disclosure. Additionally, I questioned if SCS was a collection agency and a SCS representative confirmed it was indeed a third party collection agency. None of the SCS representatives provided the mini Miranda, which is another violation of the FDCPA. 

SCS representatives also failed to notify me that the call was recorded, which is required by California penal code. 

I have not authorized any automated calls to my cellular phone and received numerous calls from SCS ' office using an Automated Telephone Dialing System, which is a violation of the Telephone Consumer Protection Act. 

In closing I would like to mention SCS ' demand for payment in the amount of {$710.00} in back payments and current monthly payment of {$220.00}. My monthly arrangement with XXXX was {$60.00} per month due to my financial situation of bringing home less than {$2000.00} per month. Should they be willing to modify their monthly payment requirement, I am more than willing to establish a payment arrangement with their office that is reasonable & affordable for both parties. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is for Experian credit monitoring services. I signed up for credit monitoring services with Experian on Wednesday XXXX XXXX, XX/XX/2015, and provided a Mastercard credit card number ending in XXXX. When you order your {$1.00} Credit Report and FICO Score, you will begin a XXXX membership period with Experian credit tracker. If you do n't cancel within 7 days you will be billed {$21.00} for each month that you continue your membership. I attempted on several occasions to contact Experian beginning on XXXX XXXX, and XXXX XXXX. The phone number on their website is actually a fax number XXXX. I called that phone number several times ( XXXX ) only to be connected to a fax line. This phone number was listed as the phone contact number for questions regarding your account, billing, etc. When I was finally in contact with Experian, they claimed that I had contacted them outside of the XXXX window.. and they could not refund the {$21.00} charge. Do I have any recourse. They seem extremely underhanded in dealing with clients. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a call from XXXX saying they were a debt collector and I needed to call them. The call was to my business line and we do not borrow money. I called them back and they claim to have removed my number, but why would they call me in the XXXX place? 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Received a loan from XXXX XXXX and the harrasments and calling of references on a constant due to late payment is ridiculous. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: as of XXXX/XXXX/2015 as per attached statement, I had a credit of {$1000.00} available. I had received a refund fro merchandise i returned at home depot for {$730.00}. Now suddenly my credit limit is reduced by {$900.00} and it is {$4100.00} instead of {$5000.00}. This caused me to loose money i paid as well as the refund amount of {$730.00}. this is abusive practice and totally unfair on behalf of the card holder. I fell i should have taken store credit for {$730.00} and not put it back on my home depot credit card. No i do not have the merchandise and nor the credit available which was issued as refund to me on XXXX. I have attached the statements fro XXXX, XXXX and XXXX. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: Continuous fraudulent charges have been on my XXXX credit card for a total of {$570.00} ( See attachment XXXX ). The charges have been happening since XXXX 2013 and have been carried out by XXXX companies, XXXX XXXX and XXXX XXXX, which are associated with the XXXX XXXX XXXX XXXX XXXX conglomerate. Bank of America desestimated my claim. 

Company response: Company chooses not to provide a public response
Consumer complaint: They contacted me by email and telephone. I made payment arrangements to make a payment on XXXX/XXXX/2015. They are still sending threatening emails and called my employer and a family member. My family member just called me wondering if I was ok. They did this on XXXX/XXXX/2015 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I contacted Quicken Loan on XX/XX/XXXX to refinance my XXXX loan I havewith them to lower MI. Information was taken and my credit report wasaccessed ( it 's XXXX ). Was told I was better off going conventional. I asked tocompare conventional with XXXX loan. Those figures were not provided. Iwas provided figures for the conventional with no MI included, utilizing anestimated appraised value. On that night, I signed the application, GFE, and locked the rate. I was requested to pay {$500.00} to proceed. Every-thing needed to be done fast since I was led to believe the interest ratecould change. On XX/XX/XXXX I sent QL my bank statements, verificationof income, and tax returns. On XX/XX/XXXX I received email saying I wasconditionally approved. On XX/XX/XXXX Quicken changed the GFE since theyclaimed that the Credit Report did not include a loan I had taken a theend of XX/XX/XXXX. The revised GFE included MI, among other changes. 
QL asked me to pay off a credit card and close it. I complied. On XX/XX/XXXX Iwas told my loan had been escalated again this time because the value-tion report indicated I 'm paying a HOA fee of $ XXXX monthly, which I hadnot disclosed. Being that this was the XXXX time that I felt I was beingaccused of hiding information, I clarified that QL had not asked me aboutthis information, and that I had provided said information to the appraiserwho came to my house. Another GFE package was issued withadditional changes. QL also requested that I prepared and signed a letterstating that I had not intention of selling my house in the near future. Thiswas based because my house had been on the market before. I haveno intention of selling that 's why I 'm refinancing. I said to QL I needed tofind out the legal implications of putting something like that in writing. 
Around XX/XX/XXXX QL requested that I pay XXXX loans, XXXX XXXX andmy car loan. I asked QL if I could combined loan payments differently tolower the debt to income ratio, which I acknowledged is high and I need to lower according to their estimates. I also acknowledged that I hadcalculated my debt to income ratio erroneously and that theirs ( theynever gave me the ratio ) may be more accurate. 
They said I had no other alternatives. I have combined other loan pay-ments, not just the car loan and XXXX XXXX, and have started topay them using my savings and I believe I do have alternatives. 
On XX/XX/XXXX, Ivisited the To Do List on their web site and noticed that they had backdated a request to submit financial statements and balance sheets of mybusiness. This was back dated to XX/XX/XXXX - I had copied the To Do Liston XX/XX/XXXX. Since part of my income is from self-employment ( soleproprietorship ) I explained to them that the regulations cited by themdid not apply to me and that I had complied by sending the XXXX XXXX XXXX The rest of my income is a lifetime pension from the XXXX Florida and XXXX, which is enough to pay for a loan. 
On XX/XX/XXXX I received an email from QL telling me to sign into their website because they could n't find a home loan to match my current needs. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ally Bank did not follow their published commitment of processing a domestic wire transfer request received by XXXX XXXX that same business day. Instead it took 3 business days and multiple phone calls to Ally Bank in order to process the request. 
To compound the issue, Ally Bank never proactively contacted me that there was an issue, it was only through repeated calling that I found out things were blocked waiting on some new verification action. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is reporting a negative account that does not belong to me. This account was previously deleted from my file by the creditor as it did not belong to me. I am attaching the response from the creditor deleting this information. The original creditor is not listed but it is for the same amount as the previous account. Experian is not allowing to make any online disputes and I am not able to speak to a representative as you need a report number to do so. They continue to report erroneous information and refuse to do anything about it. 

Company response: Company chooses not to provide a public response
Consumer complaint: After looking at my credit report, I saw a collection account that does not belong to me. I am not allowed to dispute this information online on Experian or over the phone making it impossible for me. This false information is ruining my credit and knowing full well this people did not do their job and allow people to just post false accounts on my report. They need to delete this information immediately and do a proper investigation as this information is not mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: A person deposited my check in Suntrust Bank in XXXX Florida, and I do n't have any account at this Bank. I have a copy of the check that was deposited and it shows the account number on the back. XXXX supervisors I have their names, XXXX agreed to the name I thought might be on the account and it was on the name on the account, and they XXXX agreed to me being on a recorded line and they XXXX said the XXXX name that I asked if it was on the account was not on the account. They never should have been able to deposit my check. Please help me get answers to such negligence in the banking system. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a XX/XX/XXXX Dodge XXXX from XXXX on XXXX/XXXXXXXX, financed through XXXX financial. 
I paid {$1000.00} down payment and purchased a {$1600.00} care care agreement. My XXXX payment was due XXXX/XXXXXX/XX/XXXX. I made my XXXX payment on or about XXXX/XXXXXX/XX/XXXX. 
2 weeks prior I canceled my care care agreement and {$1600.00} was refunded to XXXX financial. My down payment or the refund from the cancelation of the car care agreement was applied to my account. 
The XXXX 2 weeks a representative named XXXX XXXX would call private to my mobile phone but wpuld never state her business and laugh and hang up. I figured out it was my finance company because she finally left a voicemail box and the number was XXXX financial. She uses profane language, tells me to shut up she is speaking, she threatens me, asks me where my car is. She says XXXX never received my car payment but refuses to provide documentation. They have tried to process additional payments out of my banking account without authorization. I have reason to believe the representative XXXX calls from her personal cell phone blocking her number because she calls outside of the company business hours. When she calls I say may I ask who is calling she refuses and immediately starts asking personal information. This same representative calls a family as well late at night harassing him. XXXX makes false statement regards of why I financed my vehicle. She is extremely disrespectful. I asked her to stop calling repetitive in a single day and calls XXXX. She just stsrts yelling and making threats. She said she could put me in jail if I dont tell her where my vehicle is. But refuse to show proof of my account being 48 dsys past due, 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I found myself in need of having to modify my loan. I have had the worst experience with US Bank and especially with XXXX XXXX my so-called relationship manager. Not only does she not know how to speak to a customer but her lack of knowledge was reprehensible. I tried multiple times to speak to her supervisor but with no success. I also attempted to change relationship managers and that was also not done. When we finally decided to accept the modification, we sent in the payment as well as an escrow amount that was owed only to have the escrow amount misapplied. After multiple calls it has not yet been corrected. XXXX department tells me XXXX thing and the other tells me something different. At the end of the day, it has been over 20 days that my payment was misapplied and has not been corrected. My payment is XXXX it should be and have been told I need to wait over 2 months for the error to be corrected. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX, I noticed a collection account from this company on my credit report, which I have never received an initial letter from stating they are collecting on this debt nor containing notice of my right to dispute the debt. Per the credit report, they stated they started collecting on this debt in XXXX 2015. I sent this company a letter and they never acknowledged receiving this. They have willfully violated the law. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/XXXX, I made a substantial payment to the holder of my second mortgage to the tune of approximately {$370.00}. After that payment was applied, the remaining principal balance was {$1.00}, as evidenced by my XX/XX/XXXX statement. I subsequently paid {$1.00} in XXXX, and the payment was received by the company on XX/XX/XXXX. In XX/XX/XXXX, I received a statement indicating that a principal balance remained of {$0.00}. This would be impossible as my interest rate in around 6 %, and {$0.00} would not accrue on {$1.00} principal in one month. I have contacted them XXXX time since : XXXX times the individual agreed that the {$0.00} was in error ; the last time she said the only way to resolve was a payoff. Frustrated, I ordered the payoff. Although {$0.00} is not a lot of money, if this company handles all clients this way, it is making a substantial amount of money. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a continuation of a previous issue with Citibank that has reached another XXXX. Citibank increased my monthly payments XXXX and I have been unable to reach an agreement with them about my monthly payment. I am requesting that Citibank reconsider my request for graduated repayment, so that I am not forced into Collections. I would like to pursue a payment plan that works with my current financial situation and allows me be responsible for my debt. 

Company response: Company chooses not to provide a public response