AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Bank of America Missouri reported " suspected Fraud '' to my XXXX profile due to XXXX payroll checks having been returned NSF. I disputed the report with XXXX and they are now reporting the information has been verified using information obtained from Bank of America which is not justified and defamatory. 

Company response: Company chooses not to provide a public response
Consumer complaint: us bank mortgage keeps giving me the ran around about my final modification, i just completed my 3 month trail period, and now they will not send me the final modification paper work, I have called everyday and still get the ran around from very person I speak with. I am assigned a relationship manager, but they are never available to speak with me about my mortgage account, and every person I speak with at us bank home mortgage have little knowledge of what they are doing, and can never give good information, they just keep suggesting that I made a mortgage payment of {$910.00} until my final paperwork is sent out and I am not going to keep giving them money and have no final modification amount set for me to pay yet. US BANK HAS HAD MORE THAN 45 DAYS TO GET T HIS INFO OUT TO ME, BUT OF COURSE THEY ARE SAYING THAT IT IS IN THE FINAL STAGES, BUT NOTHING DEFINITLEY. 

Company response: Company chooses not to provide a public response
Consumer complaint: Out of the addresses listed on my credit report, XXXX of them is erroneous, and presents an unfortunate street name that not only does not exist, but that seems to be the result of an incorrect recording of an address by someone other than me. The address in question appears slanderous. 

Company response: Company chooses not to provide a public response
Consumer complaint: Netspend on behalf of XXXX offers a Pre-Paid Savings account that offers a 5 % optional savings account that you get when you open a XXXX Prepaid MasterCard. In XX/XX/2015 I reopened my card and deposited {$2300.00} into my savings account. When I logged onto my XXXX Prepaid App, the savings account showed an interest rate of 0.0 % for the statement quarter, violating the agreement that netspend included in their terms and conditions. I kept the amount for a month hoping it would change, however it still remained listed as 0 %. I then pulled my money out of it on XXXX/XXXX/2015. When I went to close my XXXX Prepaid yesterday, I was told there was no interest to be paid out, again directly violating the legally binding agreement that I made with Netspend when I opened the XXXX Prepaid Account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: we had a mortgage with XXXX. we had gotten behind because my husband was out of work for a year. I started a loan modification with XXXX and before it could be completed my loan was sold to BSI this XXXX. After speaking with them they advised me that I would have to reapply for a modification with them which we did. this was back in XXXX 2015. I sent BSI all the necessary paperwork just to receive XXXX letters from them claiming they could n't move forward with the modification until they received recent paystubs and bank statements. I sent new XXXX even though what they had was still current. since then 6 months has gone by without any word from them. I email them and get no reply. I recently contacted someone other than my CSR and heard from him claiming he would forward my email to my CSR. That was two weeks ago and still no word. In the meantime I was told no payments would be accepted on my mortagage until it was modified. I now owe over {$20000.00}. XXXX is my loan number with BSI. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: This bank of america card is over 10 years old and i have paid many thousands of dollars more than I have charged on this card. The interest rate is also very high. 

Company response: Company chooses not to provide a public response
Consumer complaint: Barclay Card US XXXX XXXX XXXX 's business practices are horrifying. I requested a credit line increase recently and a few hours later was called by a customer service representative to " discuss '' this after being asked several invasive, inappropriate, irrelevant questions, then being lectured on credit use, I was still denied. I was asked questions about accounts that are no longer on my credit report, so he had to have been looking at old notes or something, and he was asking for " reasons '' behind what he described as " situations '', when I told him he snickered, then still denied the increase. I did ask him why it was necessary to ask those questions and he said to see if " the situations changed '', I expressed my opinion that it had nothing to do with the account I was requesting an increase on and he said that was for him to decide, and that he needed to see me be responsible longer and then we could talk about it later ... .as if I was a child. He talked down to me the entire conversation, in fact his tone was combative from the minute I picked up the phone, it was awful and embarrassing. I am not some loser that does n't pay her bills and being treated that way is outrageous! 

Company response: Company chooses not to provide a public response
Consumer complaint: North Shore LIJ Medical Center ( " NSLIJ '' ) has referred me to a collection agency for amounts that they never invoiced me. 

On XX/XX/XXXX, my daughter had a procedure done at NSLIJ. The billing was processed through our insurance, and we verified our personal information and our insurance information on the day of the procedure. 

On XX/XX/XXXX, I received a call asking me to call NSLIJ. I spoke to a representative of NSLIJ on XX/XX/XXXX and was notified that I had not paid the amount I was responsible for, after insurance payments, for my daughter 's procedure on XX/XX/XXXX. I informed the representative that no invoice was ever sent to me. I also confirmed my billing address. It should be noted that the NSLIJ representative did not inform me that there was any issue with my billing address. 

In the second week of XXXX, I received the letter from NSLIJ dated XX/XX/XXXX claiming that " Despite several bills, letters and telephone attempts we do not understand the reason why this balance is still outstanding. '' The balance noted in the XX/XX/XXXX letter is {$300.00}. No invoice for this amount ( or any amount ) was sent to me following the XX/XX/XXXX phone call with NSLIJ. 

On XX/XX/XXXX, I called NSLIJ to inquire about the XX/XX/XXXX letter. The NSLIJ representative informed me that NSLIJ had been sending notices to an address that I have not lived since XX/XX/XXXX. The NSLIJ representative had no explanation for why they were sending invoices to the wrong address ( and one that I had not lived in for 10 years ) since I verified my address on multiple occasions including ( i ) on the date of my daughter 's procedure ; and ( XXXX ) on my phone call with the NSLIJ representative on XX/XX/XXXX. The NSLIJ representative said they would send an invoice in the mail now. 

Shortly thereafter, I received XXXX invoices dated XX/XX/XXXX from NSLIJ - XXXX for {$300.00} and XXXX for {$230.00}. I paid both invoices in full on XX/XX/XXXX by phone. 

On XX/XX/XXXX, I received a letter from a collection agency - XXXX & XXXX - dated XX/XX/XXXX for {$39.00}. 

It is outrageous that NSLIJ has referred me to a collection agency for an amount that they never billed me. I repeatedly informed them that they never sent me invoices and requested that they send me invoices so that I could pay any amounts owed off of the invoices. They admitted that they were sending bills to the wrong location. They repeatedly assured me they would send invoices to me. They sent me XXXX invoices which I paid in full. Now they have referred me to a collection agency for this amount which they never sent me a bill for. 

I take great care to maintain an excellent credit rating. I do not want my credit rating to be adversely affected by NSLIJ 's mistakes and improper referral of me to a credit agency. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have XXXX XXXX XXXX XXXX union charge offs on my account and XXXX judgement from them. I disputed all of these with the credit bureaus. XXXX removed them all except the judgement. because it had been 7 years reported on my report. Experian and XXXX refused to remove from my credit report they stated that the information was correct. The dates are different on each credit bureau. I know that it has been 7 years but I dont know know what else to do to since ive already tried to dispute it. Also XXXX of the accounts I have no idea what it could be. Also the judgement is not accurate. For XXXX it says it was filed as a judgement XXXX 2009 that is false I went and picked up the judgement file from the court house and it states that it was filed XXXX 2009. Another thing that was reported not accurate was the judgement was for XXXX vehicles that were combined in XXXX loan that I cosigned for my ex. The XXXX vehicles were a XXXX van and a XXXX. Both items were repoed. In the judgement it states that they did sell the XXXX for {$8000.00} that went towards the balance but it never not once mentions the selling of the van or even the amount of that bieng sold to put towards that judgement. I read it several times and didnt find anything except for the actual loan when I first signed loan papers stating that these XXXX items were in XXXX loan. it was the terms of the loan. So they pretty much sold the van and never took that money and put it towards what I owe. they got the van and they got the profit of selling it and didnt apply it to the negative amount. Its been seven years or more and I dont know what to do about these XXXX charge offs XXXX is in the amount of {$8000.00} and something and the other is {$2500.00} and i dont even know what that loan could be. if it even was my exes and they came after me because we had a joint checking and savings account. And then theres the judgement that is {$11000.00} and something. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have Auto Loan with Wells Fargo Dealer Services and I have been paying on the loan for 2 years and making more than the min payment for 90 % of all payments made and they are not applying the extra to the principal as I have requested. I have called several times and they are not making the notes on my account. With every payment I call and they advise that I need to wait until that next payment posts to the account. 
This is allowing Wells Fargo Dealer Service to collect more interest and I currently have XXXX sitting in a Suspense account not being applied but being used to reduce the next payment due. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a report from XXXX XXXX stating the balance is Unpaid and there is still a balance owed. It did go to a collection agency but I PAID it off and have a letter stating so. So the exact same INCORRECT information has been reported XXXX on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015, I filed a second dispute with Experian regarding two account that were not updated after my XXXX 2015 chapter XXXX bankruptcy filing. The named accounts are : XXXX XXXX Bank # XXXX for ( {$750.00} ) and XXXX XXXX XXXX # XXXX ( charge-off ) on my credit report. I attached my bankruptcy letter and petition verifying these two accounts were listed in my bankruptcy case # XXXX by XXXX XXXX XXXX XXXX. I received an email stating the investigation determined no changes were needed. 

I am seeking assist to have my Experian credit report updated to reflect my chapter XXXX bankruptcy filing. XXXX XXXX XXXX XXXX XXXX XXXX Bank are listed in the petition. 

Regards, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX has a judgement that the date is not accurate. it says XXXX when the date is actually XXXX. I recently went to the court house to recieve this documention. I never did get served this judgement so I was never able to see the paper work for this judgement. In this loan i had cosigned with my ex for a XXXX and a XXXX. in the paperwork they have the original paperwork stating these XXXX vehicles which they combined into XXXX loan for us. Both of these vehicles were both repossesed. In the judgement it states that it sold the XXXX for {$8000.00} and put that amount towards the balance that I owed. But it doesnt state the XXXX nor how much they sold it for. And if they did sell it that balance never went to the balance that I owe. So the amount is not accurate. I re read it several times and the XXXX was never sold. so they took the XXXX and did whatever they wanted and got away with it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have requested the credit bureau to remove all derogatory credit reporting in reference to student loans that had been intiated by XXXX online division. I have made this request based on the federal lawsuit that has been filed against XXXX parent company XXXX. The lawsuit accuses the school of fraud. I submitted the court case to the credit bureau and have requested XXXX provide all supporting documents such as promissary notes. XXXX has neglect to do so and all XXXX credit reporting agencies investgated this as identity theft. This os a deliberate misrepresentation of my dispute. 

Company response: Company chooses not to provide a public response
Consumer complaint: i called and talked to someone there and told them i am taking care of my XXXX year old grandma with XXXX from XXXX everyday right now. i JUST found out my XXXX year old brother has XXXX XXXX XXXX and will be in a XXXX within a month, and i am a victim of identity theft for a 2nd time per the feds since XX/XX/XXXX i also explained this to someone there. no matter what i tell them its " I GOT TA HAVE IT NOW, NOW, NOW!!!!!!! '' I JUST NEED THEM TO STOP CALLING ME MULTIPLE TIMES A DAY AND COMING TO HOME AND CALLING MY FAMILY. this a VERY difficult time right now. and per my doctors orders NO PHONE CALLS until i see him next. XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A year ago, my financial advisor of 25 years left Merrill Lynch and went to XXXX. He told me XXXX would not accept the transfer of my account because I resided in XXXX. Merrill kept the account and last month send me a letter saying they were closing it in 30 days ( actually 3 weeks from my receipt of the letter ). I sought an extension until XXXX XXXX and they concurred. The account includes my IRA, etc. I have spent the last month trying to find a bank where I could transfer the accounts. XXXX, XXXX XXXX, XXXX, etc. have all refused. I have no idea what to do with the IRA. I take minimum annual withdrawals. I am a US citizen, a retired senior XXXX. I vote in the US, pay US taxes and receive social security and a XXXX pension. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2014 I lost my job and am now in a new job making {$XXXX} less per year. My wife and I have struggled to adjust our budget accordingly. I have been faithful in paying my mortgage every month. We are now looking for relief from a payment of {$1200.00} per month based on a salary that was {$XXXX} per year greater. 

Company response: Company chooses not to provide a public response
Consumer complaint: An unknown address has been filed under army TransUnion credit report. I believe it is a fraudulent address because the same address was used on my FedLoan account within the last 3 months. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a couple of issues with this creditor ; 1 ) On XXXX XXXX XXXX, I found that XXXX put a lien on my property in XXXX whichI did not realize ( see attached Credit Line Security Deed ). I do not remember every seeing this document or signing it, nor doI have a copy of it my files.2 ). In XXXX I filed bankruptcy which XXXX was included ( see attach creditors list ). After much research I found that XXXX is out of business and XXXX XXXX took over their accounts. According to XXXX XXXX, in XXXX the account was transferred to Green Tree Servings. XXXX I filed bankruptcy and Green Tree was included, even though the debt was in my XXXX bankruptcy.After talking with Green tree, because my property was under contact to be sold, they would not negotiate a payoff unless I went thought the short sale process which could take weeks and I am due to close on XXXX XXXX. The only option I was give was to pay in full in order to get the lien release. I was told that the bankruptcy released me from the obligation of paying the debt, but in order to have the lien released, I would have to pay the debtin full or go through the short sale process. I feel that I am being taken advantage because the house was under contract. This situation feels like extortion. How is it that I am not obligated to pay the debt but to get the lien off my property I would have to pay the debt? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been out of school for almost a year & a half at this point. I started making my student loan payments about 8 months ago. When I first took out loans via Sallie Mae I was told the re-payments would be low and feasible. So I did it. I took out about XXXX with Sallie Mae. My first statements showed XXXX a month payments. I called and asked how that could be, it was n't feasible as promised & a 10 year payment option is not doable for my situation, I was told 10 years is all they can do and they had no solution for my situation. How can this be? I 'm struggling to make ends meet and climb deeper in debt each month just so I do n't miss a payment via Sallie Mae. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have an account with US Bank and my husband and I have been with this bank since XX/XX/XXXX. We recently got married XX/XX/XXXX and ever since then my account issues started. I got a new debit card with my new name on it and they wont allow me to go over {$500.00} when our rent is well over {$1000.00}. I have to now write a check through online bill pay in which they sent out but then returned it because I did n't have {$25.00} in our account. After taking my entire lunch to straighten it out the rep said it was the banks fault and took the return check fee off our account. I was so upset and advised her of this and she said she does n't get why I am upset they did me a favor!!!!??? Keep in mind my rental office wont allow me to send in checks now that this has happen. The rep told me we can do overdraft protect for just online bill pay and checks so our bills can be paid and put a " No '' for overdraft for our debit cards I agreed. Well today XX/XX/XXXX I get another return check for my husbands student loan payment because our account was {$46.00} negative. I speak to a XXXX and he tells me its at the banks discretion which was never told me by the previous rep. You would think since we have been with this bank since XX/XX/XXXX and have multiple accounts with them they would cover {$46.00} overdrawn check. I spoke with a manager XXXX who had no compassion at all and told me they sent me a letter telling me the details of this which we never received. I am fed up with this bank and will be closing our account ASAP! 

Company response: Company chooses not to provide a public response
Consumer complaint: I refinanced my condo in XXXX XXXX. When I refinanced, I had to show proof of hazard insurance XXXX home insurance ). I did that, that 's how I got to closing with the loan. When the escrow account rebalanced in XXXX, somehow, they forced their hazard insurance into my escrow account ( now mind you, I pay out of my own pocket for home insurance every year ). I called to complain about it, and it took several months to resolve. Once resolved in XXXX, there was an overpayment applied to my principal ( the overage was the insurance payment ). When my escrow rebalanced in XXXX, they did the same exact thing. I have complained to them several times. They have even done another escrow analysis and this time, they are charging me too much for my taxes. My taxes were {$1100.00} last year, this year they were reduced to {$1000.00} XXXX for some reason, the bank gave me the run around about how they were still assessing my escrow at the XXXX taxes XXXX. I informed them that my taxes had gone down, and it took me another XXXX phone calls to get it resolved. During this process, my mortgage payment should be less than {$1000.00}. Because of their inability to perform simple tasks, my mortgage payment were {$1000.00} for 2 months, then {$1000.00}. This is unacceptable that I have to pay for their lack of doing their jobs. I am now in the process of cancelling my escrow account, but I have been jerked around with this process also. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The Citi bank credit card on my credit reports though in good status is not in my name! It is in the name of my live in companion but has nothing to do with me. He has had the acct for many years but it should not be on my credit records and would like it removed! 

Company response: Company chooses not to provide a public response
Consumer complaint: Student loans paid in full after default. However it is being reported negative by XXXX and XXXX for the same loans 

Company response: Company chooses not to provide a public response
Consumer complaint: I was in a loan modification for two years made payments on time and they did an escrow analysis. My payments went up and I could not afford my payments so I filed a chapter XXXX and the bank foreclosed when I was in an active chapter XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX of 2014 I dropped a class so the school gave me a credit of money that was left over. Again in XXXX 2014 I withdrew from the school dropping XXXX more classes. I took loans out for each semester I attended classes. I received credit for the two classes that i dropped and I had money left over from my loans. The school is trying to tell me that I owe them money when I do n't. When I log into my student account, I see that someone made changes in XXXX showing that I owe. That is around the same time frame that I had them go over my account because they were sending me letters about the balance due. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: NETSPEND CLAIM # XXXX AND ACCOUNT NUMBER # XXXX THEIR LETTER DATED XX/XX/2015 C/0 THEIR FIRST LETTERXX/XX/2015 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was mandated to make monthly payments to Genesis Lending on my private student loans while attending classes at XXXX XXXX, XXXX, NV. From XX/XX/XXXX thru XX/XX/XXXX my monthly payments ranged from $ XXXX {$150.00}, for a total amount exceeding {$1300.00}. I was aware that such practices were prohibited while attending classes, however, should I failed to make payments I would have been barred from classes. 
I would like to be reimburse for those funds. 

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