AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I was contacted by XXXX XXXX XXXX VA from a collectiont through a collection agency. They had my first name mispelled and an address I didnt know. I filed a police report with my local police and gave the police number to XXXX XXXX. I explained I have never lived in XXXX and have lived in XXXX the past three years and XXXX for the prior 6 years. XXXX XXXX wanted my tax returns for the past 6 years and on the advise from my local police I refused. I asked XXXX XXXX for any evidence other than my social security number on this account that this account was mine for example past payments, copy of drivers licence ect., but the firm refused. The collection agency is calling me weekly to insist I pay the balance that isnt mine. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I started with Norcom Mortgage when I bought my house & they are either doing bad business or very unorganized. They A ) have sold me back and forth from there XXXX, XXXX branch & their XXXX branch.. & currently sold me to a company. B ) My town taxes are with my monthly mortgage & they did n't pay them till I got a bill from the town so payments were late, that happened XXXX. They didnt pay my home insurance through XXXX which is within the mortgage, & this past yr XXXX sent me info in the mail saying they were not being paid so they dropped me. Come to find out they were paying through XXXX which I havent been with for a while. I think they should be audited..I dont know how many other clients they are messing with their money & credit. Everything has been paid but late, my last straw was them now not transferring over my last payment to new Mortgage Company & getting letters in the mail saying I could be penalized. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I opened a traditional IRA for {$6500.00} with State Farm Bank in XXXX XXXX, for tax year XXXX. The agent erroneously identified the account as a rollover. I did not notice the error until this year when I did my XXXX taxes. When I asked the agent to correct the error, she said it was too late and that I should instead amend my XXXX tax return. The bank offered to reimburse me for the nearly {$2000.00} in additional income tax, but not for any penalty or interest, nor for the additional tax I would owe for XXXX on the {$2000.00} reimbursement. I have repeatedly asked why the bank ca n't just issue me a form XXXX for XXXX, which I understand would cost them only a {$50.00} late penalty rather than {$2000.00}. To date, the only reason I have been given is that the deposit was " coded wrong. '' I do n't see anything in IRS regulations to prohibit issuance of a XXXX form XXXX now. To complicate matters, the bank decided to change the {$6500.00} IRA account I opened in XXXX XXXX, for tax year XXXX, as being for tax year XXXX. Any assistance you can offer to resolve this mess would be appreciated. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a payday loan over 7 years ago from Cashnet USA. I had been going through a lot and could n't repay it On XXXX/XXXX/2015 I received a phone call from a restricted number. I was asked my name and was the last XXXX of my social -- --, and I said yes. When I started asking questions she gave me a number to call which is XXXX and then she said she was only a finder. when I called the number I spoke with XXXX at ext. XXXX. She told me she was calling because They were trying to serve me a subpoena at my address. I be home everyday so I knew she was not telling the truth. I told her this debt was over 7 years and chapter XXXX says the statute of limitation is 3 years but I found out it 's 5 years, then she told me it was 8 years. XXXX wanted me to give her a debit card number that she could take the money from this card. I refused, and then she told me if I did n't call her back with a card number by XXXX she would pursue the matter. She claimed that she called Cashnet attorneys and then while she was talking to me she mention something about a collection and that 's when I asked her was she with a collection agency. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I AM ATTEMPTING TO AVOID A FORECLOSURE SALE BY COMPLETING A SHORT SALE TRANSACTION. MY SERVICER HAS COMMITTED SEVERAL BLUNDERS THAT HAVE DELAYED MY SHORT SALE TRANSACTION. XXXX INCREDIBLE ERROR INVOLVED THE FACT THAT THEY MISTAKENLY COMPLETED A FORECLOSURE SALE WHILE PROCESSING MY SHORT SALE REQUEST. MY SERVICER, SELECT PORTFOLIO SERVICING ( SPS ), ADMITTED THE ERROR AND TOOK XXXX MONTHS TO UN-WIND THEIR MISTAKE. THIS CAUSED FURTHER DELAYS IN THE ABILITY OF MY REAL ESTATE AGENT TO PROPERLY MARKET THE PROPERTY AND OBTAIN OFFERS. NOW THAT I AM JUST ABOUT READY TO CLOSE THE TRANSACTION, I HAVE BEEN INFORMED THAT THE INTERNAL REVENUE SERVICE NEEDS A LITTLE MORE TIME TO PROCESS A PARTIAL LIEN RELEASE ( FOR MY HUSBAND XXXX ). THIS RELEASE IS NEEDED PRIOR TO CLOSE. IT IS ESTIMATED.THAT I MAY NEED AN EXTENSION FROM MY SERVICER TO XXXX XXXXXX/XX/2015. MY SERVICER HAS A SELF-IMPOSED XXXX XXXXXX/XX/2015 DEADLINE FOR SHORT SALE APPROVAL AND A XXXX XXXX SALE DATE. THE MAJOR ISSUE, XXXX AGAIN, IS THE PROCESSES AND PROCEDURES ESTABLISHED BY THE SERVICER. THESE PROCEDURES ARE PURPOSELY DESIGNED TO SET-UP FAILURE. A REQUEST FOR AN EXTENSION HAS BEEN SUBMITTED BUT THE PROCESSOR TAKES 10 DAYS TO PROCESS AND MANAGEMENT WILL TAKE ANOTHER 7-10 DAYS TO APPROVE. THIS SYSTEM IS BLATANTLY UNWORKABLE IN A SHORT SALE ENVIRONMENT. I HAVE ATTACHED EVIDENCE THAT XXXX IS ASSISTING ME WITH THE IRS MATTER. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a XXXX credit card, I was making monthly payments online till XXXX month the payment did not credit my account, I do n't know why. After that XXXX started adding monthly fees even after I told them I made the online payment. I 've been paying what I can {$50.00} every month but still they do n't stop adding late fees and calling me. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX of all, I am a LEGAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I came here at the invitation of the XXXX Government and when I got in the USA the financial / credit system was new to me. I 've learned that I have to build a credit history and credit points and I have to prove that I am an educated planner and responsible credit card user which I did. XXXX of the XXXX credit cards I obtained was from Home Depot and because the credit line was small I could n't use it very much, and my credit score at that time was not enough to request an increase and I was advised to wait some time and then to request an increase. Mean time I builded my credit points, I worked hard to pay always on time and here I am with an Excellent credit score after a couple of years. I constantly checked on my online Home Depot Credit Card account to see if there is any line increase available for me but all of a sudden my account was closed. There was no notice, no letter, no message about the closure, I just discovered that from the Credit Bureau that is a mark with an account closure and I had no knowledge about it. There is no limit in their terms and conditions for not using a credit card before it is closed. I contacted the Client Care and the person could n't give me a time limit for not using a credit card with them and it seems arbitrary - they choose when to close an account or not. I was advised to re-apply but that means to hurt my credit score. Then I asked to submit a complaint and I got no ticket number. The Client Care representative told me : " There is no way to provide you with a tracking number. I can not give you anything such as an email or notice. Your complaint has been forwarded to a specialist ''. 
At this point I do n't know what 's their terms and conditions regarding the time I can have a credit card without using it and what is the status of my complaint. 

Company response: Company chooses not to provide a public response
Consumer complaint: After XXXX years of banking with Bank of America and being a GOOD customer, i made XXXX mistake and now they are treating me like a CRIMINAL! I am NOT a criminal, i have a good hard working american and deserve to be giving a XXXX chance for this dumb mistake. I have had problems getting good jobs, when i have GREAT work history and experience becuase of Bank of America putting me on XXXX and XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sell on XXXX, and answered XXXX XXXX, with good commission on sales. They wanted me to sell high endmerchandise like expensive cameras and laptops. The first things I orderedfrom them were turned down by XXXX which should have been enough prooffor me, but I believed their excuse that they system made an error, andtried using paypal with my next order. I felt protected enough by paypalsbuyer protection and my sales person said to send it throughbusiness/services. Well, when it came time to send the money and ship Idid this ( for XXXX ) for XXXX laptops to ship. My salesman got back to meand said paypal put a 21 day hold on the money. He coerced me into sending via XXXX option instead, so he refunded the money to me to send that way ( with no or limited protection ). I was so freaked out that I would have mycustomers wait 21 days before their items shipped that I went ahead andsent him the money this way. It took me XXXX days to get tracking numbers. 
The first tracking number worked, but the other XXXX were invalid. After afew days my first customer received his package, but instead of a XXXX. 
laptop he found a cheap cell phone case. After confronting thesalesperson, he admitted the other XXXX had not been shipped and that '' shipping made a mistake '' with the first order. Ever since he has beenmaking excuses about why he ca n't refund the money. I have recently movedto a new area and XXXX income has been a large part of my income since I amunemployed right now. If I will have to cough up XXXX, I will be livingin the streets, cause I just do n't have the money! The salesman I deltwith is XXXX XXXX, email XXXXXXXXXXXX, andthe pay pal address was XXXXXXXXXXXX. 
Please help me with this. I have email copies and other evidence that mayhelp, please let me know what you need. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Received call from this number XXXX times, on XXXX different days. 
I answered on the XXXX call, which was in the evening, it was an automated voice recording. The automated voice had me press XXXX to talk to representative. Another voicemail recording stated that the company was RG Financial? When the company (? ) called the XXXX time, during the day, I answered, the same automated voice recording was heard. This time after choosing the option to talk to a representative, I was put in contact with a person who simply answered the phone by saying " Hello ''. I asked who the person was and what was the purpose of the calls. I was told that this was a collection on a ( 1 ) payday loan from 2009, ( 2 ) that was deposited to an old bank account I had, and ( 3 ) was tied to an old address back in 2009. She mentioned that the company has everything they need to pursue legal actions, and asked how I wanted to handle the situation.I asked that she provide me with a written copy detailing this " debt ''. After I repeatedly refused her attempts to get me to change my mind and offer payment immediately, she said she would have something sent out to me in 30 days and hung up. If she has my old address on file, how will she have something mailed to me? Also, the company has my current mobile number, but not my current mailing address? I have no knowledge of this loan, and as a precaution, I have pulled my credit report and search for any delinquent accounts. I also check older credit report copies I 've saved that were acquired after 2009, and nothing shows delinquent from a payday loan account. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: PayPal had limited my account last year ( PayPal ID : XXXXXXXXXXXX ) and I had filed a complaint with CPFB, to which PayPal had responded. In this CPFB case case number : XXXX, XXXX XXXX ( PayPal Operations Counsel ) had mentioned that my funds would become available on XXXX XXXX, 2015 ( 90 days from last payment ). However, as of today XXXX XXXX, I 'm still not able to withdraw my funds in my Paypal account. I contacted PayPal personnel and customer service several times and requested them to resolve this, and even provided them a copy of this letter. However, they refused to help me in violation of XXXX XXXX promise and commitment. They told me that his promise and word does not hold any value, and PayPal 's generic policy is superior to his promise/written commitment. They informed me that XXXX XXXX did not notate my PayPal account ( XXXX ) so that the funds could be released on such date, and I do n't know why. I ask XXXX XXXX to correct this and make my funds available to me as promised. A copy of his previous letter is attached herewith. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/XX/XX/2015 A customer paid a bill at my repair shop in the amount of {$1200.00}. On XXXX/XXXX/XX/XX/XXXX the charge was reversed " taken from my account '' - {$1200.00}. I called Bank of America that day to inquire as to why. I was told that I was sent a letter to dispute the charges if I desired. I did not recieve any notification of any kind, e mail, letter or phone call regarding the potential charge back. I was told I had to pursue this issue with the customer. I have had no success with this. I did recieve a letter from the customers bank card company informing me that the dispute time had passed. I respectfully request that Bank of America return the {$1200.00} Immediately as I had no notice or opportunity to dispute the charge back. 
XXXX XXXX XXXX of XXXX XXXX Bank of America customer since XX/XX/XXXX. 
Phone XXXX Address XXXX XXXX XXXX XXXX XXXX, Wa XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: After several years of stalling, Shellpoint Mortgage Servicing finally agreed to execute a deed in lieu of foreclosure. The deed in lieu was recorded on XX/XX/XXXX and the mortgage satisfaction was recorded on XX/XX/XXXX by the XXXX County ( NY ) clerk. After several calls and letters to Shellpoint, they are still unwilling to provide documentation that confirms the closure of my account, to correct the information on my credit report or to provide a XXXXfor tax purposes. This includes several calls I made requesting a status, and most recently emails on XX/XX/XXXX & XX/XX/XXXX and a letter that was sent ( and tracked ) to several recipients on XX/XX/XXXX. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I have XXXX children ages XXXX and XXXX. Older child with higher income received a credit card with {$39.00} " maintenance fee '' and only {$300.00} credit limit. Younger child with lower income received a credit card without the fee and the limit is {$600.00}. This does n't make sense since this was their first credit cards, for XXXX of them. This bank may have double standard. 

Company response: Company chooses not to provide a public response
Consumer complaint: BB & T BANK SUBMITTED A XXXX AND I DID NOT USE THE BANK ACCOUNT. I WANTED TO OPEN A BUSINESS ACCOUNT AND THEY WOULD NOT LET ME. THIS NEEDS TO BE REMOVED FROM MY HISTORY. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX I was called by a man named XXXX XXXX from a debt collection agency named GF group stating that I was going ti be sued by XXXX XXXX bank for a debt of {$1200.00} and I can settle this debt by paying {$25.00} on XXXX/XXXX/15 and then {$480.00} on XXXX/XXXX/15 He haf said that by XX/XX/XXXX it will appear on my credit as PAID IN FULL he did send me an agreement letter via my email : XXXXXXXXXXXX which I do have. After checking my credit report I still do not see this on my credit and it is also a different amount I owe. I have called him numerous times and he says it takes anywhere from 20-30 business days. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: General Revenue Corp is reporting to the credit bureaus that I owe a debt. I do not know any thing about this debt and I contacted them to try and obtain more information regarding the debt back in XXXX. They did not have any information other than an amount that I owed and requested immediate payment. 

I disputed the reporting to the bureaus and they came back as the debt being verified. As a follow-up to that I sent a letter directly to this debt collector requesting documentation and validation of this debt. 

I sent via certified mail with signature delivery. They signed for the package on XXXX/XXXX/2015. Per the FCRA they have 30 days to respond. I 've allowed them 37 days to account for time it might take for something to reach me by mail. 

This company has violated the FCRA in many ways and I want them to cease collections and remove all reporting from the XXXX bureaus or I will consider filing a lawsuit. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX and XXXX XXXX XXXX XXXX XXXX wants to charge me administrative fees, interest, and penalties. 

I departed XXXX XXXX on terminal leave in XXXX, XX/XX/XXXX 

XXXX paid final separation payment in XXXX, XX/XX/XXXX 

In XXXX, XX/XX/XXXX XXXX alleges they overpaid the separation amount. 

XXXX, XXXX and XXXX XX/XX/XXXX XXXX sent notices of the alleged debt to XXXX XXXX, per XXXX by phone XXXX XXXX, XX/XX/XXXX, the base I separated from. None were sent to my home address. Meanwhile XXXX has been sending XXXX Account Statements to my home address in XXXX, XXXX XXXX 

In XXXX XX/XX/XXXX XXXX reported this alleged debt delinquent to the Transunion Credit Bureau in violation of the law. The change in my credit rating was the XXXX notice I received of the actions XXXX was taking. Upon becoming aware of the Transunion report I contacted XXXX, said contact is still being ignored by XXXX. I will be at their office in XXXX later this week to investigate. 

Are there other retired military members who have had their financial reputations harmed by the actions of XXXX? Is it time for a class action lawsuit? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a business account with BB & T. There was an unexpected transaction which overdrafted the account. The problem I 'm having, is this has been two weeks ago, and now everyday they are charging me {$100.00} in bogus returned item fees. The fees have now accumulated over {$1000.00}. There have been no debits, only credits, and I still can not keep them from charging additional fees that are overdrafting the account. I get charged overdraft fees even when the account is positive. This practice is unethical, and it 's hurting my business. They have taken an entire weeks worth of revenue, and it 's still going. They refuse to freeze or suspend the account, nor will they allow me to close it. I 'm stuck paying {$100.00} for unexplainable fees. If you see the account, you wo n't believe it. 

Company response: Company chooses not to provide a public response
Consumer complaint: Our home flooded when a bathroom sink pipe broke while we were away at XXXX. PennyMac financial has been holding our insurance payment for over {$120000.00} that was long ago paid by our home insurance company. The work is almost entirely completed, and they still have n't sent any initial funds. PennyMac has been passing the papers around internally, re-requesting documents we already sent, missing deadlines, and failing to communicate appropriately. They have less than 20 % loan to value on our property, and yet are still withholding our check where repairs are 90 % complete. Several times they have claimed that checks are on the way, and we find out later they are still not giving honest answers. We call them daily now, and they put a different person on the phone each time, and will not have supervisors call us back. We have paid our XXXX money out of our own pockets for the repairs as he is 90 days into the project. There seems to be no end in sight to their ability to keep deferring things 72 hours, 3-5 days etc, for problems that are all created on their end. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I made my XXXX mortgage payment early in XXXX 2014 to XXXX XXXX XXXX. I then received notification that as of XXXX XXXX, my loan servicing was being transferred to PennyMac. My XXXX payment was never transferred to the new servicer, and now I am getting notices that I am in pre-foreclosure, I have had 30 day lates reported to my credit report, and I have been assessed late fees monthly. I have called and spoke to PennyMac multiple times, along with the numerous phone calls and letters they contact me with accusing me on being behind on my payments. This has been going on for months, and they seem either unable or unwilling to resolve this. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Response from XXXX XXXX XXXX XXXX, 2015 I have not and do not abandon my property. 
I am still in dispute with XXXX XXXX XXXX XXXX XXXX XXXX, Bank of America, XXXX XXXX, XXXX XXXX XXXX and all other associates, remove lien, stop harassing us, cease and desist. 
I do not agree to pay any legal fees. 
I have never paid XXXX XXXX at any time stemming from this invalid loan and servicing that is not in good standing. Statements from XXXX XXXX never included XXXX XXXX name. This is my home. My XXXX adopted children will not be on the street for their greedy scams. We are victims of XXXX, Robo signing, Falsehood, XXXX, force -placed insurance, and other violations. 
I have estimates up to {$48000.00} to get the roof put on right. I have a {$140000.00} estimate to have my foundation under floors fix right. Plus all other maintenance and problems. Nothing in here is grade A materials, but by or blood, sweat and money, we made it a home for our children. You show paperwork, we did not sign. Harassment phone calls and drive by people harassing, sitting out by the yard, and then knocking on my door talking about they walking around the house for XXXX XXXX. Stop harassing us, cease and desist. 

cc : XXXX XXXX XXXX XXXX XXXX XXXX, Bank of America, XXXX XXXX, XXXX XXXX XXXX and all other associates ; Included : * Consumer Financial Protection Bureau case # 's : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *Dispute Letters to XXXX XXXX XXXX , XXXX. 
*Dispute Letters *Estimate *XXXX XXXX Letter XXXX XXXX Statements * More available Documents Upon Requests ( Including, Independent Review and Forensic Audit ) Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was charged by Bank of America for {$35.00} late payment charges XXXX in the past XXXX months. I understand I was late on the payment in XXXX and XXXX, but I still think {$35.00} late payment charge is ridiculous. I contacted them multiple times and they said they could not waive the fees for me. 

Company response: Company chooses not to provide a public response