AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In XX/XX/XXXX my Chapter XXXX Bankruptcy was approved in the XXXX XXXX BK Court, and a XXXX mortgage from Bank of America was crammed down to a balance of {$27000.00} and payments of {$100.00} per month were to commence starting XX/XX/XXXX. The Trustee XXXX XXXX ( XXXX XXXX, CA ) made XXXX payments of {$100.00} each to Bank of America, they then sold or transferred the loan to XXXX XXXX XXXX, XXXX in XX/XX/XXXX. The first payment of {$100.00} was due and mailed to XXXX XXXX, XXXX in XX/XX/XXXX as per their request. XXXX Recieved XXXX further payments of {$100.00} each, until I got a XXXX Mortgage in XXXX and paid off all lien holders except the XXXX Mortgage at XXXX Mortgage of seeking a discharge, which is now in process. The Escrow was opne at XXXX XXXX XXXX XXXX in XXXX XXXX, CA. When they requested a demand for payoff from XXXX XXXX, XXXX submitted a payoff demand of {$27.00}, XXXX with an amount in excess of {$1000.00} calling it a short payment. The true and correct demand should be {$23.00}, XXXX. When questioned by me they said that Bank of America had entered an extra fee after transfer of the loan in XX/XX/XXXX and they were collecting that. I told XXXX XXXX, XXXX that I had called Bank of America and they said they had transferred a balance of {$26000.00} only. On further checking I learned that they Bank of America had made an ectry on my account of {$1000.00} in XX/XX/XXXX after releasing the loan, this is not permitted by Bankruptcy law and they are well aware of it, if they are seeking additional fees they must apply to the BK Court in XXXX XXXX, hold a hearing and get permission from the Court based on the application by their lawyers. over the course of XXXX years they have had XXXX different law firms represent them in my case, so they are not lacking for knowledge or information in this respect. This is clearly willfull disregard of the BK laws and they were seeking to make additional money when they can not do that. I have called both Bank of America and XXXX XXXX, XXXX again today and neither has provided any answers or a solution. Bank of America says the notes on my account state that the research ticket is closed due to the Service Release and XXXX XXXX, XXXX says they have no additional knowledge, but they did tell me that the payoff that they recieved from XXXX XXXX XXXX XXXX of {$27000.00} was still short, even though it was based on their own demand and they have not provided a re conveyance nor a refund. This is a joint complaint against both Bank of America and XXXX XXXX XXXX, XXXX for willful disregard of BK laws and acting behind the scenes to inflate my payoff when legally they have received XXXX payments of {$100.00} from the Trustee XXXX XXXX 's office and the payoff and balance should be {$2300.00}. Kindly contact both banks and research the matter and get my due refund of {$1000.00} from XXXX, XXXX. XXXX and a re conveyance as their loan has been paid off. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an account with Suntrust for over XXXX years. Both Business and Personal. Today without notice they closed all my accounts. I never received a call. Now on my wife 's direct deposit is going in and we can not get to that either. We XXXX opened this account XXXX. Now On my business account I was working with a client who gave me a bad payment and no Suntrust did not lose any money. But I can not get to my money either and I have a good standing for over XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/XXXX, I signed a Retail Installment Contract and Security Agreement with XXXX XXXX, XXXX, WY, that was assigned to Wells Fargo Auto Finance. My payments were to begin on XXXX XXXX, XXXX and continue for 60 months. When I received my XXXX/XXXX/XXXX statement I was surprised to see a late fee assessed. On XXXX XXXX, XXXX, I spoke with a Wells Fargo customer service representative named XXXX about this late charge. Although the payment was mailed on XXXX XXXX, XXXX, she indicated that it had not been received until XXXX XXXX, XXXX. I was skeptical because past experience indicated that it typically took 4 to 5 days for my payment to arrive. For the next 31 months, I sent every single payment via certified mail, intentionally varying the weekday each was mailed. Not once did it take 7 days for my payment to arrive in XXXX ; in fact, it continued to average 4 days. Although the payments due in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX were received at the address provided by Wells Fargo Auto Finance prior to the XXXX of the month, I was assessed a late charge. On XXXX XXXX, XXXX, I sent a letter to Wells Fargo disputing the late fees and attached copies of the certified mail receipts that showed each payment was received at the Wells Fargo mailing address before the XXXX of each month. Payments are considered received when they arrive at the address designated by Wells Fargo, not when someone eventually opens the envelope. Wells Fargo has charged unauthorized late fees and has failed to return the title of my vehicle to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: We had a Macy 's Store/American Express Credit Card and I had a purchase that I had made in later XXXX, 2015. The billing came due on XXXX/XXXX/15 and I had forgot about the purchase. I was paperless for the credit card, but never received an email or notification until the account was over 30 days past due and they had sent the card to the credit bureau. I as so angry as I had not had a late charge on anything for over 15 years. I am sure it has messed up my credit score. The lady at the card company just brushed it off saying that its not their responsibility since I made the purchase. I asked about the emails and she said they were sent. However, I never received XXXX email. They were rude and were not willing to do a thing. I have paid off the billing and have since closed the card and will never again open a Macy 's Charge. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a variable rate and I understand completely that they can increase or decrease my rate at any given time. However since my credit is not good what I 've done is send in additional payments towards my principal to pay off my loan earlier ( since my loan did not have a prepayment penalty ). Now Select Portfolio is reducing my principal to elongate my loan term to the full 30 years. Keep in mind they are not increasing my interest simply adjusting the amount that is applied towards the principal, which is unheard of to everyone I 've discussed this with! As previously mentioned I fully understand they can adjust the rate but can they Legally reduce principal payments to maximize their profit? It is hard to belief this can possibly be legal, can someone please call me to explain. 

XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been disputing a fraudulent reporting from XXXX XXXX to Transunion about a zombie debt that has fraudulent activity dates and the California status of limitations expired for the last 3 years but Transunion has not done a deep and effective investigation and keeps accepting reports on this invalid debt to this date. I am trying to dispute it, but I am being denied online access and they say the record has been disputed already and that I have to contact them through a P.O. BoxIs this never going to end? Is there a complacency from Transunion toward XXXX XXXX on this matter to let them post monthly updates on an invalid and fraudulent debt collection? 

Company response: Company chooses not to provide a public response
Consumer complaint: A company that does n't exist XXXX XXXX XXXX XXXX debited {$300.00} from my bank account. I filed a claim with Wells Fargo XXXX claim number XXXX ) and they issued me a credit. They said they needed my credit report showing that the supposed debt was not on my report. I emailed them the report which clearly shows I have no debt with this " company '' and on XXXX/XXXX/15 they took the credit back. I want MY money back. I received correspondence from Wells Fargo, and they put another customer 's letter in an envelope addressed to me. This is just an awful experience from a company that obviously does n't care about their customers ' privacy. 

Company response: Company chooses not to provide a public response
Consumer complaint: In reviewing my credit report, I 've noticed an XXXX XXXX credit card opened in XXXX 2015. I do n't have an XXXX XXXX credit card and I have not opened any new credit card accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: I wish to make a formal complaint about a XXXX XXXX Public Entry on all XXXX credit bureaus. This Judgement described in these Public Record entries has been resolved and satisfied. Date of filing for this judgement was XXXX/XXXX/2011, Reference # XXXX, for XXXX XXXX XXXX XXXX XXXX. 
Despite this judgment being satisfied, it seems to present continual misinterpretation that this judgement is still outstanding and active with a balance. 
I feel this is unfair to my credit standing, and this is my only negative remark of my credit report and does not truly reflect my credit worthiness to date. 
I recently used the services of XXXX Law firm to review my credit worthiness and they seem to indicate that this public record was active with an outstanding balance when in fact the credit bureau reports I obtained personally and direct correspondence from the Law Firm representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : Acct. XXXX, XXXX XXXX XXXX XXXX ), who handled this judgement, indicates that this judgement has been satisfied and case has been closed. I have also enclosed proof of closure in XXXX XXXX XXXX, XXXX XXXX XXXX. 
In light of this information, I feel all XXXX credit bureaus should delete these potentially negative records to avoid further confusion to potential creditors in the future. 

Company response: Company chooses not to provide a public response
Consumer complaint: Complaint Against Green Tree Servicing LLCSee Case # XXXXCOMPAINT HISTORY : My Credit Application was declined XXXX/XXXX/2013, by Green Tree for a XXXX ( New Owner ). ( Still within the 2-year statute of limitations ). 
Green Tree Adverse Decision Letter to me did not provide specific reasons for the decline, as required by law. Their Adverse Letter to my wife and I cited : " E. OTHER - Outstanding credit conditions associated with your loan approval have not been satisfied ''. I had no accounts, past or present, with Green Tree. Green Tree would not reply to my XXXX Certified Letters requesting that they provide specific reasons for decline. 
I submitted a complaint to CFPB, providing support for all the above. Green Tree did reply to the CFPB inquires. You can read their response in the file. Net/Net : Green Tree had the property in their portfolio with the person I was buying the property from. They mistakenly classified my request for a new loan as a refinance request from the existing owner.. Had Green Tree been compliant with the law requiring prompt & specific reason for the decline, and/o, r if they had responded to my XXXX certified letters asking the same, I would have been able to clarify. Since they did not, I was required, after their long delays, to find another lender. I lost XXXX basis points in rate, had to increase my down payment by $ XXXX and go with a 15 year term as opposed to 30 year term they confirmed to offer, subject to credit approval. 
REQUEST : The CFPB did not appear to take much interest in my original complaint. Now, Green Tree has agreed to a $ XXXX Settlement to affected consumers who were the victims of illegal loan servicing and abusive collection practices. Even though I am not one of their customers, the same type of servicing error, caused me the damages, specified above. 
Read the file, you will be amazed. I want to be included in the settlement. 
Oh, not related to the law suit, my wife and I did get a letter from Green Tree this past weekend. Green Tree 's Notification to my wife and I of a security incident that may have compromised all my application information, including social security numbers and other personal data. 

XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Commercial Acceptance Corp 's XXXX, PA office contacted multiple of my children. They were not party to the debt and it was disclosed to them that Commercial Acceptance was attempting to contact me. CAC has my correct phone number and I am having my mail forwarded, as I recently moved. The debt is associated with a medical charge and a dispute with my insurance company. I believe their actions were overly aggressive and not in conformance CFPB rules and regs. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: my sears cc account was closed XX/XX/2012 through a chapter XXXX bankruptcy however its listed as a charge off "bad debt" on my report. I have been trying to get this resolved for over a year as creditor error
Company response: Company chooses not to provide a public response
Consumer complaint: I submitted a dispute letter to Experian dated XXXX/XXXX/15. I then received a reply from them dated XXXX/XXXX/15 stating that they think my letter is " suspicious '' and is coming from a XXXX party. I am disputing this account on my own, and even signed the letter and sent it certified mail. 

Company response: Company chooses not to provide a public response
Consumer complaint: Vehicle loan with B of A was paid off in XXXX 2013, but there were late charges that had accrued on the loan. These late charges were disputed with B of A, but it took several months to actually get a response. Eventually the late charges were paid off. However, Bank of America continues to report the ENTIRE loan as a charge off and has not updated the account as paid. I want the account either reported as paid in full or, at the least, a notation put on the account that only the late charges were a charge off, but that the auto loan itself was paid as agreed. 

Company response: Company chooses not to provide a public response
Consumer complaint: Vehicle loan with B of A was paid in full in XXXX 2013, but there were late charges that had accrued over the life of the loan. I disputed these charges and it took several months before B of A finally responded. My parents paid the late charges on the loan in full thereafter. However, B of A is still reporting the ENTIRE loan as a charge off on my credit reports, not just the late charges, and is not showing it as paid as agreed. 

Company response: Company chooses not to provide a public response
Consumer complaint: The bank assessed fees of {$35.00} for overdraft and also a {$27.00} a day fee for the account which they are now trying to sue me for. These fees are obsurd and also saying they paid when they did not pay, and they said they did the overdraft protection is discrecionary and nothing was approved or paid. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: My father and I have the exact same name and similar SSNs. In the past the various credit reporting agencies would occasionally combine our credit reports in error. Every time I have gotten it fixed ( and it seems to have stuck with all by XXXX XXXX. This time I am seeing hard credit inquiries for a car loan as well as a credit card among other things on my report that belong to my father. 

Company response: Company chooses not to provide a public response
Consumer complaint: i have been continuously harassed by Atlantic Credit & Finance , Inc. in the form of multiple phone calls from the number XXXX at least XXXX times a day and lately they call and hang-up if I answer it. then the try and use a different number. I have asked them to leave me alone that I do n't have any money but they wont listen. I tolled them to wait until my finances improve when they called the first time but they wont listen. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was looking online to refinance my mortgage and put my phone number down to get a free quote online, i thought.I was then inundated by calls from companies I did not ask to call me. I spoke to a XXXX XXXX from XXXX XXXX XXXX. I told him I was not interested, but Thank You. Then I get an alert that a company " XXXX XXXX '' pulled my credit for this XXXX XXXX without my permission and no application that i filled out. I called them and asked them to remove this inquiry. They said XXXX XXXX 's company would have to and gave me a number that was disconnected. XXXX. XXXX XXXX number is XXXX. I am coming out of bankruptcy and this really hurts my credit profile. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was given a rate to term out my home equity loan and I had XXXX days to lock it in. I called back on the XXXX day and was told I could not get that rate since I had made a draw online earlier that same day. The draw was from my Home Equity Line to my Wells Fargoi checking. I was told the last time I spoke to them that I could make draws up until XXXX 2015 which was the end of my draw period. Never was I told the rate would change if I made a draw. After they told me they would not honor the rate they guranteed for XXXX days, I told them I would go online and repay the draw back as it was still sitting there in my Wells Fargo checking account. They said I had given up the rate because of the draw. This all happened around XXXX on a business day so the fact that they would not let me go back to where I was a few hours earlier is evidence they were trying to switch the rate which had increased over a half of a percent. They said if I wanted to lock in it was going to be at a new higher rate even though I was still in my XXXX days they had quoted before. The last year Wells Fargo has called and written me several times about my home equtiy line maturing until the point it was border line harrasment. It even came up on the ATM screen when I used the ATM. When I agree to term out early they switch the rate. I told them several times I would reverse the draw while we were still talking on the phone but they said I forfeited the the other rate even if I pay it down to the same balance it was earlier the same day. This is unfair, misleading and deceptive. 

Company response: Company chooses not to provide a public response
Consumer complaint: Took out pay day loan from XXXX .... at ( as I found out later ) outrageous interest rate over 200 % APR ( at least ) Attempted to resolve the matter ( to reduce APR ) the refused to. 
They tried to get money out of me- I blocked them. 
Over 15 months later I get threatening calls from Trademark Management Solutions XXXX, stating that if I dont cooperate with them, they have server in the area to file criminal charges against me. They started to call everyone with the same last name and threatening them too. 
When I called back they said they were mediators and coned me to agree to pay them {$300.00} per month till I payoff ( {$5000.00} ). 
I paid them XXXX {$300.00} each time by my debit card so far, called to change due date and requested a slightly lower amount ( {$220.00} ) - they refused and XXXX thing this morning I received a phone call from someone called XXXX XXXX stating she is local locator and she will be visiting me @ the place of my employment or residence with some court papers. 
At which I emailed them Cease and Desist letter ( to the same email address they were communicating with Me from ) and emails starting to come back as not able to communicate over the email demanding to call only. And then it changed to can not accept emails also. 
I did research on the firm and found a lot of complaints and there is even law firm investigating for threatening people with the same type of messages that I have been receiving from them. 
They Need to Be stopped and outlawed!!!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Despite significant reprimands from the government, Citibank continues to screw its customers over. I am foolish enough to hold a mortgage with them, for which I pay over {$1200.00}!! PER MONTH in interest ... yet earlier this year, Citibank decided they needed to charge me {$30.00} per month for a checking account which I barely use. When I went to the branch manager to discuss the fact that I had been with the bank for over XXXX years, and that I was paying {$1200.00} in mortgage interest monthly, he refused to waive my monthly checking fee, and instead offered me a " basic '' checking account - XXXX which charges me {$15.00} for overdraft ( despite the line being attached, and which used to automatically cover overdrafts - which is what a line of credit was designed for ) and for every other " service '' they offer. The branch manager " explained '' to me that my mortgage balance did n't count because it was with a " different '' division of Citibank ... in other words, since the P & L was n't under the control of the bank management, the customer should be screwed. It 's very clear Citi should simply get out of banking because the morons running the US have no idea what they are doing. I will be closing my accounts this month. After XXXX years. XXXX XXXX, please, if you do nothing else, please get the stupid ex-Card management morons out of the banking business. They are destroying the XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a loan secured by a vehicle with USAA Savings Bank NA. I had made my payment after speaking to a loan representative, as I was past due at the time, that posted on XXXX XXXX, 2015. This brought me due for XXXX XXXX, 2015. They repossessed my vehicle that same evening, after the bank closed. I was able to get my vehicle back the next day but I had to drive over XXXX miles and take off work, from a brand new job. I have made the XX/XX/XXXX payment. When I went to pay today for XXXX XXXX, the account on line is showing I owe for XX/XX/XXXX and XX/XX/XXXX. They can not explain but the representative is telling me that the website is wrong. I am still worried that they will take my vehicle while my account is current again. I can not explain how disrespectful and rude the person I spoke to during the period they took my vehicle was. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I keep getting calls and voice mails about a payday loan that my daughter owes. I 'm not a co-signer and I 've asked the company to stop calling me and leaving threatening voicemails for her. About a week ago I called the company back and told a rep to stop calling me or I would file a complaint and they promised me that my number was removed from their database and that I would not be contacted again. Well, today, XXXX XXXX, 2015, I received another " escalated '' call from the company. 

Company response: Company chooses not to provide a public response