AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX keep send different debt collection after me, I 'm a victim of identity theft I already send out paperwork to them befor and still contacting me about this. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Upon reviewing my Bank of America checking account I noticed that I was overdraw in the amount of {$280.00}. I called customer service to inquire as to why my account was overdrawn and they stated because I had XXXX items that were presented for payment and they paid them for me as a courtesy because they are recurring payments to my account. I have called about this in the past because it caused my account to be overdrawn that time also. The challenge I am facing with Bank of America is that I did not sign-up nor do I have an account linked to my checking account for overdraft protection. I have made request that no courtesy payments be made and if the funds are not available that the items be returned. I further explained that I declined setting up overdraft protection because it is not something that works for me. Upon further speaking with the customer service representative I was informed that even though I did not request that the items be paid but that Bank of America made the decision to pay the items, I was still responsible for any fees assessed to the account for payments. Additionally, as of today, XXXX/XXXX/15, Bank of America assessed my account a fee of {$35.00} because my account has been overdrawn an extensive amount of time, even though I did not request the items be paid, it was a judgement call by them. They are maliciously charging fees and initiating activity on my account that is not authorized by me. My thought this is another way for Bank of America to make money off of their customer. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage company, SLS, is denying me the opportunity to short sell my rental home in XXXX, TN. I received a foreclosure notice on XXXX XXXX, from their attorney, XXXX XXXX XXXX, giving me only XXXX business days to request a short sale. I called SLS, and they stated that their policy was to only accept short sale applications if they were submitted with at least XXXX calendar days to process the application. This is an injustice and I ask HUD to intervene on my behalf to allow me to have adequate time to short sell my property. 

Thank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: In my credit report, under the section '' Employment Data Reported '' indicated i had worked for XXXX '' and " XXXX '', but i never worked for these XXXX companies, and i am afraid someone else use my identities to work for them. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are about XXXX main issues on my credit report that are n't mine, and they are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX services, and XXXX XXXX. I believe they belong to my older sister, because we almost have the same name and it may be confusing but I want these issues resolved. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a checking account at Wells Fargo with a promotion code that offered a {$100.00} credit if you made XXXX debit and/or payments in 60 days, or set up a direct deposit. I made XXXX debit card purchases and XXXX payments in 60 days. When I called Wells Fargo one month ago they assured me that I met the qualifications and that I should expect a credit in about 8 weeks. 8 weeks later and I have not received a credit. Today I went into a branch and was told that I did not meet the requirements for the promotion. I believe this to be unfair practice and completely misleading. I also do n't understand how XXXX different employees in customer can be so ill informed about the policies and procedure of a simply promotion. 

Company response: Company chooses not to provide a public response
Consumer complaint: FAIR COLLECTIONS AND OUTSOURSING has placed erroneous and false information on my credit report. I do not know this company and have no knowledge of the company they are attempting to collect for. I have asked this company to remove this information, This company is preventing me from qualifiying for a mortgage. I have lost my earnest money and have been subjected to a higher interest rate with higher fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a CIti Bank Visa Platinium credit card No. XXXX in the name of XXXX XXXX. According to this card if Rs. XXXX/- is not spent in the first year then at the end of first year Rs. XXXX/- would be charged. But before the end of first year my card was lost and so was blocked and no new card was issued. Due to this reason my spending was less than Rs. XXXX/- and i was in perception that my Credit card is closed. But after few months I received statement charging the annual charges and stating that my card is not closed. Form then onwards every months they are charging interest on the amount. After my several request they are not hearing my complaint. If I do n't have a card how can I use it and fulfill the minimum criteria. 
I want that Company should understand my issue and reverse the charges and close my credit card. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am currently experiencing payment problems with LoanDepot. This company is servicing my mortgage. I have been using my BillPay service at the credit union to pay the loan since XXXX 2015. Everything was fine until XXXX 2015. Starting with the XXXX payment LoanDepot has been rejecting the payments and sending me notifications in the XXXX Mail that my loan is on the brink of foreclosure. My BillPay service does n't understand what is going on either. They are not getting any information from LoanDepot. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The XXXX account listed on my TransUnion credit report shows as past due for XXXX payments of {$9800.00} ( credit report excerpt attached ). This account is current and no delinquency exists. The other credit bureaus show the correct information and XXXX company on-line information ( attached to this complaint ) shows my account as current and I 'm told updated information should be on my credit report showing the account is current with no late payments. I already submitted a CFPB complaint ( # XXXX ) and it was corrected by TransUnion ; then on XXXX/XXXX/15 it again shows as late. This account needs to be corrected again asap as I am trying to purchase a car and I ca n't get financing. 

Company response: Company chooses not to provide a public response
Consumer complaint: The company is Chess systems I 'm being denied to open bank accounts, credit cards this is. Blocking m. Credit all around. Pls contact me XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Issue : Breach of Written Settlement Agreement1st Investors Servicing Corp is not reporting my credit line correctly with XXXX. They corrected my credit line with XXXX and XXXX and both now show positive. However, XXXX is showing 1st Investors loan as a negative mark and the mobile app shows it was charge off. Please correct my credit line with XXXX per our written agreement from 2012. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received multiple phone calls from Capital Management Services asking to speak with my brother. I do not know how they got my number, but my brother does not live with me. I have told them repeatedly to take my number off their list and to not call me. The calls stopped for a few months and I just received another one today from XXXX. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: The borrower submitted a loss mitigation application to America 's Servicing Company ( " ASC '' ), which denied that application and communicated that decision in XXXX letters, each dated XXXX XXXX, 2015. The borrower, through counsel, appealed that denial on XXXX XXXX, 2015. ASC then denied that appeal by letter dated XXXX XXXX, 2015. The same personnel that reviewed the loss mitigation application and signed the XXXX XXXX denial letters also reviewed the appeal and signed the XXXX XXXX appeal denial letter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I refinanced my home in XXXX of 2014 and ended up with a mortgage from XXXX. Immediately after re-financing, I was contacted by Nationwide Biweekly Administration , Inc. There literature promised savings by paying bi-weekly. I called them and discussed it with them. They gave me the impression that they were working for my mortgage company, XXXX. I enrolled in the program, all the while, thinking they were a part of my bank. Last week I got several e-mails announcing that my enrollment in the program was " suspended. '' I have tried calling and e-mailing them and have received no response. After some research, I discover they are not only not affiliated with my bank, but they have been skimming money off the top of all my payments. I feel ripped off. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: i was contacted by collection bureau of Kansas via phone i verified who i was and last for address then she kept asking questions about income ... .all before telling me what this was about then was told this was to collect a debt instead of initially something from XXXX or XXXX i explained i filled chapter XXXX bankruptcy she persisted to make claims i stated all my debt were covered not to contact me on this because i do not owe it and disconnected i then received this letter in the mail a few days later 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is the third complaint regarding ATG. Yesterday I received in the mail a collection letter after XXXX XXXX XXXX sent a cease and deist letter. What part of cease and deist is n't understood? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Company has not validated debt at my request but still reports the debt to the XXXX major credit reporting companies. This violates 809 ( b ) of the FDCPA. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX address shows on my credit report I never live there 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: [ Case number : XXXXHi! This is my second time contacting you. I had written a complaint about my mortgage company lack of help with selling my home on a short sale. I have had a qualified buyer for 11 months. After my complaint to you I heard from them immediately and it seemed they were on top of it calling me every couple days. Now it has been 3 weeks and no word. They are not returning my realtors phone calls or e mails asking where things are at. Not sure where to go from here? 

Company response: Company chooses not to provide a public response
Consumer complaint: Suntrust Mortgage : *Forclosed on me while i was XXXX*Denied me for XXXX but the said i was covered a couple years later but never fixed my % *Missing Payments*Did not change XXXX, XXXX, XXXX interest rate to 6 % from 6.875 % on my first mortgage*Did not change my XXXX interest rate from 13 % to 6 % since my XXXX was paid off i deserve the money back*In XXXX was foreclosed on ( THEY LOST A FEDERAL LAWSUIT IN XXXX OF XXXX FOR WRONGFUL FORECLOSURE PRACTICES FROM XXXX TO XXXX ) XXXX XXXX mortgage was paid off and $ XXXX put into an escrow account but when they foreclosed i was never paid this. so they have had my money for 8 years*I want my XXXX mortgage Re-evaluated and the payments re-applied. i show i only owe $ XXXX*When foreclosed i payed {$15000.00} to reinstate no attorney fees should be applied to my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: One of my creditors reported me deceased back in XX/XX/XXXX, it has been a living nightmare trying to have it reversed. I have submitted complaints to XXXX, XXXX & Experian to date XXXX and Experian. still have me listed as unrated and deceased. XXXX has not updated my report. Therefore I can not get credit, and I have a business and it is severely affecting how I do business. After many letters sent certified return receipts, I am at a loss as to what steps to take next. In XX/XX/XXXX XXXX XXXX called my mothers house to update their files? never called me, and she said XXXX XXXX years ago, that was my dad, XXXX did not send letters to my to confirm or call my cell. They wrote that account off and left XXXX other accounts active. 
I want to know who to talk to how hard can it be to reverse the damage. And XXXX will not talk to me I get transferred to XXXX. 
I am at my wits end. 

Company response: Company chooses not to provide a public response
Consumer complaint: Thru the purchasing of a new condominium thru auction I was required to pay to Escrow of the West my first and second half property taxes for 2014. The second half taxes went unpaid due to Escrow of the West refunding another homeowner my tax money into this homeowners impound account. Escrow of the West instead of making another payment for second half taxes is relying on this homeowner to make my payment. It is very unethical since I have no relation to this homeowner and they do not represent Escrow of the West. I gave Escrow of the Weat the money to pay the taxes and they have not followed thru. The taxes are delinquent and I need this resolved asap. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am getting the run around with mortgage settlement. I do not know where I stand because I am no longer receiving a mortgage statement. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My complaint is with First National Bank. I have had a mortgage with this bank since XXXX 2015. There is no way for a customer to access their escrow account or see any escrow activity. I now have received a tax bill for {$4300.00}. FBN should pay this from my escrow account. I called and they explained it was never set up, that they will do this. I faxed them all the documentation and they told me they would set it up, pay and follow up with me. 8 days later, no follow up. I call FNB again. They explain they can not find my paperwork - to please resend. It is just very frustrating because I, as a customer, have no way to view my account and see what is going in and what is being paid out. I will resend them the documentation again and call again to see if anyone has it and will pay it. Please require First National Bank to make customers ' escrow account activity available online. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: One of my creditors reported me deceased back in XX/XX/XXXX, it has been a living nightmare trying to have it reversed. I have submitted complaints to XXXX, Transunion & XXXX to date Transunion and XXXX. still have me listed as unrated and deceased. XXXX has not updated my report. Therefore I can not get credit, and I have a business and it is severely affecting how I do business. After many letters sent certified return receipts, I am at a loss as to what steps to take next. In XX/XX/XXXX XXXX XXXX called my mothers house to update their files? never called me, and she said XXXX XXXX years ago, that was my dad, XXXX did not send letters to my to confirm or call my cell. They wrote that account off and left XXXX other accounts active. 
I want to know who to talk to how hard can it be to reverse the damage. And XXXX will not talk to me I get transferred to XXXX. 
I am at my wits end. 

Company response: Company chooses not to provide a public response
Consumer complaint: The agency continue to report I owe XXXX for cosigning on a loan. I never cosigned for anyone and the agency continues to file false information. I have not signed anything to cosign for anyone. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a marketing promotion in XXXX stating I would received 10 % back in rewards on all purchase made in XXXX using my Best Buy XXXX. I validated that it was for all purchases prior to making the decision to use my card. In XXXX I conctacted the number on my card to advise I had n't received the rewards earned. I spoke to someone in the esclation team who confirmed the promotion had been sent and was for any purchase made on my card. He advised those rewards would go on my account when my XXXX cycle cut and noted on my account that we had spoke and what he had advised me. After my XXXX cycle cut the rewards were still not on my account I contacted Best Buy XXXX again and they confirmed that I should have received the points and transfered me to Best Buy rewards. Best Buy rewards continue to tell me the promortion was not going on and that I am do no points. There marketing is very miss leading and deceptive clearly the promotion went out as I have received confimration of this, but there is a huge disconnect between Citi Bank and their co-brand partner who issues the rewards. I have made in total XXXX phone calls and XXXX emails trying to resolve this directly with them prior to escalating to you. I 've been a long time customer who is close to closing my account due to the poor experience I 'm having. I am only asking to be given the missing {$100.00} in rewards that I am due for spending over {$1200.00} in the month of XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: CACH holding has not contacted me in the 2 years of debt that I have owed them. I have not received a single phone call or letter from this agency. My credit report shows " criminal activity '' and other key issues that are currently denying me from receiving an auto loan. I have been trying to resolve this issue for over a year, with extreme persistence through the last month. I have not been able to find any contact information about this holding company and my current debt is affecting my ability to acquire a loan for a car that, due to my location of residency, I desperately need in order to continue to remain employed. I need this issue to be resolved this week. 

Company response: Company chooses not to provide a public response
Consumer complaint: BOA has not closed my account after multiple requests and continues to charge fees. Currently they have charged {$1.00} as a " minimum payment due. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am the co-signer on XXXX student loans with Sallie Mae. The terms and conditions of the loans I have taken state that any payment received will be first applied to satisfy the minimum due amount for all loans, and any excess amount will be applied to the loan with the highest interest rate. I have sent a letter to Sallie Mae with the same instructions, and asked them to keep it on file. 

For the past XXXX payment cycles since taking the XXXX loan, Sallie Mae has not followed these terms. Instead, they apply full amount to XXXX loan, and let the other loan go into arrears. In addition, they initiate an automated calling prompt to my home phone, my cell phone, and the student borrower 's cell phone, in escalating frequency. These have continued even after I have had numerous telephone calls and assurances that this issue is in the process of being resolved. I am left to assume that Sallie Mae is unable or unwilling to change their processes without intervention from their regulating authority. 

I consider these unwarranted auto-dial calls harassment and ask : 1. for them to cease immediately, and 2. for the CFPB to instruct Sallie Mae to follow the terms and conditions of their promissory notes. 

I ask that the CFPB intervene specifically on my behalf, and if there is any class actions that can be taken, I want to consider being a part of those. 

For reference, today I have spoken with the following people at Sallie Mae who have been unable to resolve this issue : XXXX in Tennessee ; XXXX in XXXX, DE ; XXXX in XXXX, DE ; and XXXX, in XXXX, DE. XXXX 's employee number is XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a mailer stating if I opened a personal checking account, I would receive XXXX after two months of reoccurring direct deposits of XXXX or more. Once I went to the local branch, I was told since I am self employed and my direct deposits are n't from an employer, I would not be eligible for the promotion. I use a third party servicer and rents from my rental property come in monthly as a direct deposit. 

This does not make sense. The solicitation says " reoccurring direct deposits. '' Certainly I meet that requirement. 

Company response: Company chooses not to provide a public response