AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX XXXX, 2015, someone deposited ( not me ) XXXX bad checks into my account and also took the money out. I did n't notice my card was missing until the next morning and did n't discover any of this until I tried to use my card. If you look over the history of my account, I usually pay bills then pull money out ( overdrawing it ) until my next pay check. I do n't deposit bad checks. The activity on the account is not usual. I do get emails and text messages for unusual activity however ; I did n't get any text messages. I did get an email but I did not check them because I did n't have much power on my phone. That day all of this was going on, my lights were off. I made arrangements with the cash I had on me and was scheduled to make a payment on XXXX/XXXX/2015. Because of all of this my lights are off, I have a payroll check that I ca n't get any access too and I have XXXX kids. I have filed a police report and possible names of people who could have possible done something to my account. I have cooperated as much as I can and I have no assistance. My account is about to be closed for something that I have not done and I need my money to take care of my kids. Please help me fix this problem quickly. More importantly, help me get my lights back on TODAY. They have been off since Monday since I did n't keep my arrangement. 

Company response: Company chooses not to provide a public response
Consumer complaint: I defaulted on XXXX creditors. I hired XXXX Debt relief XXXX to settle. They provided documents that state my settlements. Experian did not properly record those changes. XXXX bank still lists me as a charge off of {$5200.00} when {$5100.00} was paid. I have court documents that state their representing attorney XXXX XXXX XXXX, XXXX. dropped their XXXX on XXXX XXXX. XXXX, XXXX XXXX bank was paid {$1700.00} XXXX. I owed {$4300.00} not {$8600.00}? Lastly, I received a XXXX from XXXX in the amount of {$16.00}, but my most recent report dated XXXX XXXX states {$19000.00}? Why did n't Experian do a thorough job? I gave them documents. I contacted XXXX and they said they would furnish cashed checks for additional proof if needed. 
I would like an explanation as to the discrepancies. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX EXPERIANAccount has been paid in full by creditor, legally resolved with lawyers five years ago, I told this to the collection company, but they still put on my credit reports. 
Company XXXX Status CollectionsStatus Date XXXX $ XXXX Date N/AAddress XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX companies are buying old credit reports, and are phishing to collect. This should be illegal and companies should be held responsible. These companies should not be allowed to put any negative information on credit reports without a mediator. 

Company response: Company chooses not to provide a public response
Consumer complaint: My complaint involves XXXX XXXX XXXX in XXXX. I applied for an auto loan through XXXX, and shortly after I received a call from XXXX XXXX ( not sure of spelling ; her direct line is XXXX ) at XXXX XXXX ( XXXX of XXXX ) preferred dealers. I was told that I had been approved ( APPROVED, not PRE-APPROVED ) for a {$35000.00} car loan with no money down, but they could only discuss details such as LTV ratios or interest rates with me in person. She assured me they had a lender with an approval. I arrived at the dealership, and was immediately asked to fill out a credit app - I was told this was to make sure I was who I said I was. They ASSURED me that they would not run my credit or submit to any banks. Then they appraised my trade and the sales guy said he could n't tell me how much they were offering because his boss keep that all secret. Next, they tell me I can no longer get the used XXXX I wanted due to the LTV and would have to get a new Altima. At this point I had to get back to work, and the plan was for me to return to the dealership around XXXX to finalize the paperwork. At XXXX, I phoned the sales man, and he refused to tell me anything at all - not how much my trade was worth, or even a range of what my monthly payments might be. It 's an XXXX drive from my office, and I smelled a rat, so I decided not to return. I just got home from work and saw that the dealership out about XXXX hard inquiries to banks while I was in the waiting room earlier in the day. What a scam. They lied about the loan approval for the sole purpose of getting me in the door ( over an XXXX drive each way ). It appears to me they are running a special finance cattle call. 

Deceptive Trade Practices & False Advertisement - They never DID have a lender or an approval. My guess is they lied to get me in the door and figured they 'd find a way to sell me a car once i was physically there. 

Truth in Lending - They submitted credit applications to over XXXX banks. I 've asked for copies of what they sent to the banks regarding my applications, and was refused access. I am accusing them of submitting false credit applications on my behalf. 

Company response: Company chooses not to provide a public response
Consumer complaint: The company filed a report against my credit without contacting me. When I contacted the company to see why they had filed a report against my credit without contacting me they stated I had given false information about myself. As I had never given any information on the debt as it was not mine ( it was a mistake from XXXX ). When I asked them to give me the information that led them to file the report against my credit they refused. They stated I had provided fraudulent material to XXXX and it was my responsibility to give a phone number and address I never gave any of that information to anyone as it was not my debt. They stated that I must contact XXXX. Only through them could I contest the charge. The company never contacted me and filed a resolution against my credit score and never provided any information to me on why they did this. They refused to help me at all when I explained their numerous mistakes in contact information ( that I had never provided as the initial company made the mistake ). XXXX worked to resolve this quickly. The debt collection agency said it was all my responsibility for THEIR mistake. They have kept the mark on my credit report even though I never had an opportunity to respond as they had wrong information and never contacted me to allow me to dispute their claim. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a pre-paid XXXX card from XXXX as a rebate. The expiration date on the card ( XXXX 2015 ) was approximately 3 months after I received it. I used all but {$48.00} of the funds, but now that the card is expired it got declined when I tried to use it. XXXX will not issue me a new card for the remaining balance, or offer any alternative compensation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have sent full amounts to Chapman Financial Services couple months ago for past due collection and they refuse to apply it to the debt amount balance. 

Company response: Company chooses not to provide a public response
Consumer complaint: Loan officer never told me about all of the requirements for getting a mortgage. Entered into an agreement t purchase a home that needed some work. Loan officer told me the requirements under the loan I was getting were, A room must a closet to be considered a bedroom and that home ca n't have any unfinished rooms. With that information a I agreed to continue and have an appraisal done. When the appraisal came back it was noted to have some minor peeling paint and a couple of loose roof shingles. Loan officer told me that in order for Mass Housing to approve this loan I would need to repair these items. Neither I or the homeowner were ever in a position to do this. Had I known that these items would have been a requirement I would n't have gone forward with this appraisal. This is just XXXX example of the deceptive and incompetent practices from Mortgage Financial. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: We bought a XXXX with the payment agreement to be with XXXX Finance XXXX Al. XXXXXXXXRe : ACCount # XXXXXXXXThe terms we agreed to were 6.90 % with payment for {$66.00} for the XXXX 12 months and {$100.00} for the remainder of the loan. 

As soon as the tub was installed we received a letter from XXXX Finance that they had transferred the loan to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Wi. XXXX XXXX is trying to charge us an interest 0f % 19 for the entire loan. We never agreed to this. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: My wife and I sold our house. At close, we received a check from the title agency, of the equity from our property. We endorsed the check, using my wife 's signature, and deposited it via ATM at a local Bank of America branch. On the next business day, my wife called the branch to confirm that there will be no issue with the deposit. The branch agent confirmed emphatically that there will be no issue. However, Bank of America ultimately rejected the deposit, claiming that a check of such great amount required XXXX of our signatures and that XXXX parties stated on the check as members on the bank account. The bank then lost control of the check as it circulated it through its internal return process. The bank could not tell us what happened to the check once it was rejected for deposit. The bank passed us through a labrynth of unhelpful customer service agents. We have gotten nowhere with the bank. All of this trouble is due to the bank branch simply not contacting us to request additional information and instead losing the check through its inadequate procedures. We remain without the equity from the sale of our home. This is money that we needed to buy a new home, and so our lives have been adversely affected by the bank 's negligence. Until this money is uncovered, we will not be able to honor our contractual obligations to purchase another property. There was no contingency for this problem in the contract, and so the seller may hold us in breach of contract. 

Company response: Company chooses not to provide a public response
Consumer complaint: Unable to transfer IRA funds to another bank. Partial transfer due to $ 250k FDIC limit 

Company response: Company chooses not to provide a public response
Consumer complaint: After having my card fraudulently used, XXXX XXXX issues over XXXX " refunds '' for fraud, but not by tying them to the specific charges. Now, XXXX month later, they have re instituted XXXX charges without any narrative other than " Move Debt From Fraud Account ''. When I called they say they are some accounting transfer issue. Of course, I can not verify that any of these charges are accurate, because there is no explanation. I called to place them in dispute as " not recognized '' and XXXX XXXX refused to do so, saying that they were charges from the now-closed card. However, these charges have never been presented to me online nor in my monthly statement, so I can not verify that they are accurate. The phone agent even told me that he was only allowed to give me the information that they are old transfers, but nothing more. Certainly they are having some internal issue and trying to pin it on their customers. 

Simply put, XXXX XXXX refused to follow the law by placing these in dispute as not recognized until they can give me some modicum of proof that these are actually charges that I made. Please take the to task for it. 

Company response: Company chooses not to provide a public response
Consumer complaint: First National Collection Bureau, IncXXXX XXXX XXXX, Nevada XXXX-XXXXSettlement Offer 50 % in XXXX paymentsDirectTV settlement of {$320.00} in XXXX payments over 2 months starting on XXXX/XXXX/2015 ( 28 days ) for XXXX payments of {$160.00} 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Ally Financial is reporting XXXX 30 day late payments in the same month, XXXX 2015. I currently do not owe any payments until XXXX 2015 and have cleared bank debits of XXXX payments in XXXX due to poor communication on behalf of Ally and poor record keeping and reporting. 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted a dispute detailing which items I felt were incorrect on my credit report. I then get a letter from Experian stating that my dispute seemed suspicious and that I should call them. I called them and the recording stated they were not taking calls from my area code. I sent them my dispute XXXX days ago and they send me what seems to be a letter disputing the validity of my dispute assertion. They failed to even investigate and give me a reference number for their communique on XXXX XXXX which did n't arrive until XXXX XXXX. I see they have only XXXX days left to investigate my dispute. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX charged me for services that they said were free if I cancelled within 30 days. I cancelled inside the allotted time and now they are still trying to charge me. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX, XXXX and transunion keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail. 

Company response: Company chooses not to provide a public response
Consumer complaint: Several weeks ago I received confirmation that a dispute that I had with SunTrust Bank had been resolved in my favor and a credit would be issued to me at my SunTrust Bank Account. Today I opened up a piece of mail from SunTrust Fraud Managment Services suggesting that the dispute has not yet been resolved in my favor and requesting that I fill out a form pursuant to this earlier dispute which I was told had been resolved in my favor. Now I need clarification : " Has the dispute already been resolved in my favor and is this form merely the result of one part of the bank not knowing what the other part is doing? '' OR " Is the bank rescinding it 's resolution of the dispute in my favor or making it contingent upon the completion of additional forms? '' Can I ignore these new forms? Or must I continue to dispute the charges? The forms are confusing in that they list a credit and charge for equal amounts relating to XXXX of the XXXX charges I disputed earlier before clsoing my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: We wish to pay off our mortgage and contacted Bank Of America to get principal, interest and any fees that would be required. They gave these amounts verbally and offered to mail this free or fax for {$30.00}. We preferred to have a receipt showing the itemized amounts we were going to pay and went directly to the bank. The bank refused to provide an itemized receipt. They would only provide a receipt showing the TOTAL amount we paid them and the account number. We asked if we had the banks letter showing these amounts if they would use it showing what we had paid and they refused. They said ONLY the grocery store receipt was all we would get. 

Company response: Company chooses not to provide a public response
Consumer complaint: WE WERE WORKING WITH AN ATTORNEY TO TRY AND GET A MODIFICATION ON OUR HOME LOAN WITH BANK OF AMERICA FOR OVER 3 YEARS AND THEN THEY ALL OF A SUDDEN THEY DECIDED TO FORECLOSE ON US. SO, WE HAD TO DO A SHORT SALE ON OUR HOME. SO WE LOST OUR HOME AND OUR CREDIT IS SHOT. WE TRIED DOING A CHAPTER XXXX BUT, WERE AS MUCH AS THEY HAD BEEN AND THAT IS WHY WE FILED TRYING TO SAVE OUR HOME.THE CHAPTER XXXX WAS IN XXXX 2013 AND THE SHORT SALE WAS IN XXXX 2013. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America misled me into believing that a duplicate or substitute check would be issued, by them, after the maker decided not to pay it. A check for over $ XXXX was deposited into the ATM. Four days later, or so, I found out the check was reversed only after initiating contact with them. Valuable time was lost during the weeks that they misled me and this is compounded by the fact that no written notice with the check copy was received until a few days ago. This check/property was handed over to the bank, as the customer they owed me specific duties, including the ability to cure any defects with the item. 

Company response: Company chooses not to provide a public response
Consumer complaint: They said the ss number belongs to me 

Company response: Company chooses not to provide a public response
Consumer complaint: Macy 's always charges {$2.00} ( as " minimum interest '' ) each month even AFTER the remaining balance has been completely paid off. Is this legal? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX accounts with XXXX XXXX XXXX XXXX that I was paying them directly XXXX each month. Then I received a letter from Grant and Weber Arizona , Inc. They are a debt collection agency. We started payments of XXXX a month on each account. We have missed some monthly payments, but have called and tried to tell them the reason for not being able to pay at the time. We have never had a monthly statement of any kind showing payments we 've made, or the balance due. Just a few months ago, I called them to tell them that we would not be able to make the payments. I called and left XXXX ( XXXX ) voicemail messages for XXXX XXXX. He is the one handling the debt. All the messages were made within a weeks time. He never returned my phone calls!!! My husband XXXX has even called him, and he never calls back, unless we have called about paying the debt off. Then he calls right back! The principal balance we owe is {$530.00}. He sent us a letter that says he 's charging us {$190.00} in interest, making the total amount due {$730.00}. There has never been any talk of interest to be charged with these accounts. I do n't feel that this is right considering the effort we have made to keep in contact with XXXX. Can he legally charge us interest on a medical bill? We would like to ask for your assistance with this matter. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Suntrust experienced IT network, account hackers and/or IT incompetence. They were showing debits, by ( me ) consumer XXXX XXXX XXXX XXXX XXXX F XXXX . This on clear transitions, summary ( see attached ) This was only perpetrated to charge my account overdraft fees and extending over draft fees {$150.00}. I advised Suntrust their mistake or IT incompetence, was the cause since I manage my account by their website. In accordance with PCI-DSS, this information MUST be up-to-date an accurate, by law it was SunTrust responsibility to be such. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a single XXXX XXXX mother of XXXX children and have fallenbehind on my first mortgage payments to the XXXX XXXX XXXX XXXX XXXX, Trustee. My loan is serviced by Shellpoint Mortgage Servicing. I haveapplied for a loan modification and have supplied all the necessarydocuments, in some cases several times. I do n't believe that I ambeing treated fairly or that my information is being properly considered. 
I would like your help in get a loan modification so that I can save myhome. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had an account with XXXX XXXX XXXX ( XXXX ), a checking account ... I was to collect money to make payments to a lawyer ... A person that was suppose to deposit money to my account deposited a check for Approximately 4,000.00 dollars ... I was waiting for the check to clear, a day. The next day I checked my account to see if the check had cleared ... It had NOT cleared ... They said they were going to send the check back to the sender and they were going to place a bad comment on my CheckSystems account ... They then closed my account ... 
I have tried to open another account, but I ca n't because of their bad comment on the ChekSystems about me ... 
I did not do anything to deserve this bad comment ... It was not me who tried to defraud the XXXX ... It is their bad comment that has hurt me ... I am a XXXX Veteran and I need a way to do banking .... I am very careful with my banking and have never done anything to create a problem with an account .... This a very unfair practice of XXXX .... They should n't be able to hurt someone and not be accountable for it ... 

Company response: Company chooses not to provide a public response
Consumer complaint: There is an account XXXX a collection account. I 've never had an individual XXXX account. XXXX has never validated this debt. I 've never seen the original credit application. I have a XXXX account however it 's joint with my wife and its current. 

Company response: Company chooses not to provide a public response
Consumer complaint: Within the last year I have fell behind on my mortgage with US Bank. The reason being is because the insurance rate went up and my mortgage went up over XXXX per month. US Bank told me I could apply for a loss mitigation program which I did. All the payments were made through the trial period and once complete I was denied because they said they never received the forms. I mailed them directly from the XXXX XXXX XXXX. I am being told I owe more then they are able to calculate with late fees and delinquencies. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is illegally reporting XXXX accounts that passed thethe 7 year reporting period and XXXX accounts shouldbe deleted immediately.I have disputed XXXX accounts. 
these XXXX accounts have surpassed the 7 year periodXXXX ) XXXX XXXX XXXX - # XXXXThis account was to be removed XX/XX/XXXX 
Experian re-aged to be removed in XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX - # XXXXThis account also is illegally reporting after 7 yearsand should be removed immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: Back a while I had gotten a payday loan. My bank account info had been compromised by someone. I made a report to the FTC regarding it. I had to make a few changes to my account and payments being made from it. I became delienquit with my payments. I received a call from a XXXX XXXX claiming to be from XXXX. He stated that they were after persons who were defrauding theses payday loan companies. Since my account was considered delienquit, they had my account info. If I paid the Out Of Court Restitution it would be done. I made XXXX payments before I noticed something 's in the paperwork that did n't seem quite right. I just need to know if the documents I have are legit or have I been had? Thanks! 

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