AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I never did this program and never received money from a loan or supplies to take these classes. They filed a lien against me and never served me papers so they violated my rights by not allowing me notice to defend myself in a court of law. Also who received the money from this loan? This is the XXXX XXXX and it is a fraud program that is why I never enrolled. Please put a stop to these illegal actions of falsifying court records saying they served me. I would like proof of who signed those papers please. Thank you for your help this is very disturbing! And is showing up on my credit that is how I found out about it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Called once at XXXX and again 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I made the first payment on my new refi loan online, single payment, as I have always done with the Lender - BOA ( Bank of America ) - The original mortgage ( XXXX ) was with Countrywide which ultimately was converted to BOA. I made the online payment XXXX XXXX, XXXX. Then BOA said something about needing to make test deposits and withdrawals from my bank account to validate the routing and account numbers. These transactions proceeded normally. Without further concern I assumed the payment was made. Then on XXXX XXXX, XXXX when I reconciled my account ( statement attached for reference ) with the bank source of funds I use for paying my mortgage I noticed that the payment had not been drawn. I immediately called BOA and was put through the touch tone misery and spoke to three representatives before I finally was convinced no one had any idea of how those test transactions had occurred let alone actually caring about anything other than my payment had not been made - I made it with a {$5.00} penalty and a {$20.00} fee for the telephone transaction. I am upset that now this will have an impact on my credit rating which has been pretty good up to now since I separated from my wife in XXXX. Nevertheless, even more important than that, I am concerned that BOA uses tactics such as this to deny any knowledge of a transaction, despite it being their website that accepted it and their engines that made the test transactions. Further, it is the same pathway I used to make payments on my new BOA credit card - that did not require test transactions and went smoothly. I also used this account to pay my mortgage with BOA which was refinanced so they had my banking information all along. I submit that they use this as a method to raise their income. I point out that it does an effective job at degrading customer satisfaction- good faith and trust. I will never recommend BOA to anyone except as an example of a heavy handed institution that uses deceptive practices. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ally Financial reported false information about me to multiple credit bureaus. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Originally I filed a complaint under case number XXXX concerning the sale of a credit card debt from Wells Fargo Bank to XXXX XXXX XXXX. There were XXXX basic issues in that complaint. 1 ) I had never received an accounting of how the balance was determined ; and 2 ) the fact that Wells Fargo had issued me a check in the amount of {$300.00} dated XXXX/XXXX/XXXX for an administrative error which was questioned. 
After the complaint was filed, Wells Fargo did provide documentation of the balance which I am satisfied with. However, they have never explained where the administrative error check came from or how the amount was determined. Since then I contacted XXXX XXXX of Wells Fargo who had sent the balance information. He called on XXXX/XXXX/XXXX but could not explain the administrative error check and provided the name XXXX XXXX who would call me back. XXXX XXXX called later that day. She stated it was not an administrative error but an inconvenience payment. After several questions she could not answer why the payment was made or how the amount was determined. She said she would call back after she spoke with the XXXX XXXX XXXX. I have attached a letter from myself and documents from Wells Fargo. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mother since 2012 has been receiving calls from a XXXX Company looking for XXXX. My mother, XXXX XXXX, since having acquired the number in 2012 from XXXX started receiving calls. As she does not speak XXXX, she tells me that they call and hang up once she starts talking. I return the numerous calls and after speaking to someone, always find out its actually for an XXXX XXXX. After a heartless apology for the mistake the countless reps over the years have vowed with every fiber of their being to remove the number to ensure she never gets a call again. A few months go by before another call looking for an XXXX XXXX from the same company. Today was the last straw, I called back and spoke to a representative and then his manager XXXX XXXX who was extremely rude, condescending, and was deriding my XXXX background when I was speaking to my mother the victim of these non-stop harassment calls that she does not understand. XXXX kept overtalking me and refused to apologize for the way he was speaking to me. Again the calls for XXXX XXXX has been ongoing for over 3 years. XXXX has confirmed with me that the they have XXXX XXXX for my mothers number XXXX and they do not know why this collection company say its XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've told several creditors that my identity was used fraudulently and that I was not liable for the accounts that were used and wanted them removed because I told the credit reporting agencies to ask for additional information etc because my identity was stolen / used fraudulently and credit was still extended without my knowledge 

Company response: Company chooses not to provide a public response
Consumer complaint: Creditor reported deragatory history on a debt that was discharged in CHXXXX bankruptcy 6 months after debt was discharged. CRA 's will not remove negative history they only updated it to show Bk. Any debt collection AFTER CHXXXX Bankruptcy and or negative collection comments must be removed. These actions are in direct Violation of the Automatic Stay per US Bankruptcy code. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: hi im XXXX XXXX my complaint is with green tree mortgage green tree mortgage does not want help me getting my home qualified for a loan modification my home goes on sale Monday XXXX/XXXX/XXXX they are telling me im 8 months behind and its not true there reason for my delinquency there not applying my payments to the my account they keep asking to speak to my husband XXXX XXXX who is also on the title but he passed away XX/XX/XXXX we were originally with XXXX but later was passed to green tree because I filled a law suit with XXXX XXXX XXXX they gave my husband a loan when they new he was placed on hospice care soon after his passing I later had to get a loan modification because I was upside down on my house and since green tree is now the lender they refuse to deal with me even when I sent more proof of my husband being passed away I got a lawyer and found out it was a scam I lost money on that if it was n't for my oldest son moving back in I would of lost everything my family and my house is all I got and there trying to take that from me I did find out there was some illegal stuff done in my contract from the bankruptcy attorney that I hired this week im going for chapter XXXX so I can get time to find help for a fair and new loan modification its a lot more I would speak to some who can help me im up in age and would like for my grand kids to have my home in the future please help me 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Money stolen from Citibank account 2 times in a 3 day period through unauthorized ATM withdrawals. 
Bank failed to cancel ATM card after XXXX incident was reported. 
Bank has made me open at least XXXX separate investigations claiming system problems, to deny having an open investigation for the fraud. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a child support claim dating back from XX/XX/XXXX.I am only XXXX, I was born in XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: 1.XX/XX/2015 I decided to pay off the entire outstanding balance on XXXX credit cards and since I was not using them, to have them cancelled. I called the toll-free number on each statement and so informed them and asked for the amount of the balance to pay off and close the accounts. The figures their customer service agent gave me were identical to the " New Balance Total '' shown on the current bill. I had set aside that amount to pay these bills and told the customer service agent to use the " Auto-Pay '' arrangement then in force and draw those amounts from my bank account ; and then to terminate the Auto-Pay arrangement. They withdrew the amounts ; the Auto-Pay was terminated ; and the cards cancelled. Later I began getting bills for additional interest or whatever and when I called to complain the customer service agent tried to explain something about their internal accounting or bookkeeping. I insisted that when I asked the question and was given the payoff figure ( which matched the last statement ) and I made that payment, that I would pay no more. Their letters and bills keep coming despite having reported all this by letters to both companies twice and repeated calls. But they keep sending demand letters and increasing the amounts on these " bills. '' I am semi-retired with little to no workingincome and set aside money to pay these bills off and close the credit card accounts. I believe that when their Customer Service Representative provides me with the number after my explanation, that I ought to be able to rely on that number, pay that amount, and be done with it. The credit card companies presumably have recordings of my telephone conversations which should confirm all that I say. No mention was ever made of any more money due than the amount they gave me, which sum was paid immediately while we were still on the phone. I relied on that conversation and the figures and should not have to be concerned with some internal accounting or bookkeeping they do in their office of which they never gave me any notice. ( Maybe they 'll find something in the " small print '' somewhere from years back! ) These credit card companies should change their procedure and tell their Customer Representatives how to explain their intentions to continue billing after payment in full when a customer like me calls. 

2. I would like both companies to cancel these bogus charges and stop sending me these threatening collection letters. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Trans Union offered me a credit monitoring program and I religiously monitor it do to the persistent ID Theft that has plagued me for the past 3 years. In viewing my most recent report Trans Union listed a Collection account sinking my score, It is fraudulent yet they wo n't list the name of the company. They also reinserted XXXX FRAUDULENT INQUIRIES into my report and sent me a hard copy of apparently XXXX separate files. This is a clear violation of FACTA, and Federal Law. I have resent them XXXX, the XXXX Police Reports, FTC ID Theft packet, XXXX Inspector REPORT, and copy of my identity to request an update to my fraud alert phone number to remain vigilant of updating. 
The mere fact they have placed a fraudulent debt collection account on my report and reinsertion of XXXX prior deleted Inquires that I protested through many avenues, the last is going to be legal, dealing with there repeated obstructs is tiresome and I am tireI want them investigated and am attaching a copy of the most recent Trans Union report along with Police affidavit and FTC ID Theft Packet, I also today contacted the XXXX, and XXXX along with the FTC and XXXX of there dereliction of duty. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a mortgage with Wells Fargo and did a modification in XXXX in which they reduced the mortgage by {$92000.00} and then sent me a XXXX stating it was {$81000.00}. I recently sold my home and I needed to pay the money they reduced from my loan which to my understanding was {$81000.00}, however WF and Hud stated it was {$92000.00}. I went around and around with both agencies until Hud advised me to call WF executive complaint line in which I did and spoke with a XXXX XXXX XXXX who was very rude and condescending who did not listen to my complaint but rather continued to talk over me until I hung up on him. He then followed up with a letter, but again he did not address my complaint which is why did WFB send me a correction regarding the Hud partial cliam. He instead did what he did over the phone which was add up the charges that equal {$92000.00} but never addressed the correction of {$81000.00}. In reviewing the documents sent to me by WF the Loan modification agreement ( Deed of Trust ) states the original principal amount is ' {$300000.00}, they reduced the unpaid principal amount due ( payable ) to {$220000.00} when subtracted from the original balance of {$300000.00} is {$79000.00} ( {$1500.00} ) difference of about the required modification payment of {$1100.00}. When I stated to both Hud and WF that the repayment due was {$81000.00} not {$92000.00} I hit a brick wall. I received copies from Hud of the Partial claim deed they received from WF it was for {$92000.00}, however they did not have a copy of the CORRECTED copy sent to me by WF dated XXXX for {$81000.00}. This corrected copy was not filed as stated per the document. Additionally, WF reported to the credit bureaus that I was late with my payments for 120 days, I was not late, as I paid the required amounts set up by WF for the modification process until it was complete. Per the statement indicated on the documents by WFB they would report to the credit bureau " late payments, missed payments, or other defaults my be reflected. I signed an agreement with WFB for the modification and I made the payments as they required and I paid the on time. I was not late, I did not miss nor was I in default. They ruined my credit and caused me to have to receive a higher interest rate for the purchase of my new home. I believe WFB has acted in a less than honest manner in handling my modification and I ask that you would conduct a full investigation. I have not been able to resolve this issue with WFB as they did not address my concern regarding the correction of the partial claim from {$92000.00} to the {$81000.00} which is what I believed would be due to Hud at the sale of my home. I paid Hud {$92000.00} in order to complete the sell of my home but I have disputed this amount and continue to do so as of this letter. 
Sincerely, XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I opened a checking account with USAA to which I set up direct biweekly deposits in the amount of {$100.00} each. My wife was a joint account holder on the account. This account served as a " sinking fund '' into which I put money aside ; there were no withdrawals, and so I did check the account balance until I was sure that a few direct deposits had been made. When I checked the balance, I discovered XXXX withdrawals totaling {$170.00} which I had not made. I knew that my wife, the joint account holder had not made these withdrawals. USAA 's customer service rep told me the funds had been withdrawn by the bank itself ( i.e. " set off '' ) pertaining to an account held by my wife PRIOR to our marriage. Thus, USAA wrongfully set off the funds for a debt that was not legally mine because that debt arose prior to my marriage and can not legally be attached to me. Further, I do not live in a community property state. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: My suspicion is that there is a deliberate scheme by Stonegate Mortgage of intentionally reducing mortgage payments to starve clients escrow accounts thereafter essentially guaranteeing a high probability of refinancing, hence refinance fees and charges. My case is as follows. 
1 ) Original payment from XXXX XXXX was set up at {$1600.00}. This payment would cover your Principal & Interest, Hazard Insurance, Mortgage Insurance and Property Taxes as were estimated at time of purchase. 
2 ) Stonegate changed ( reduced ) my monthly payment ( intentionally? ) and now I have a problem : ESCROW SHORTAGE of {$5200.00} 3 ) Stonegate is thereby increasing my escrow XXXX % and my total monthly payment XXXX %. 
4 ) Essentially forcing to consider refinancing. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a credit card company that is garnishing me. And That account was open back in 2006. I thought it was going to fall off by now. As well and a car that was a lemon that I have put so much money into to parts I really paid for the car. 

Company response: Company chooses not to provide a public response
Consumer complaint: I seek assistance for Loan Modification from CITIMORTGAGE XXXX XXXX. I complied all the needed documents as they required. It 's been several months since they kept telling me that my file is pending review with underwriting. Yesterday XXXX/XXXX/XXXX, I received a letter from CITI that they sold my loan to XXXX XXXX XXXX & it will be taking over starting XXXX/XXXX/XXXX. CITIMORTGAGE has not given me any response or decision on my Loan Modification & they 're doing this transition. Please help me resolve this. Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have several accounts on my credit report which were charged off and a XXXX ( I think it 's called ) was sent to me. I therefore reported this as income, and paid taxes on it. They 're still reporting on my credit report as owing them money. They 're reporting negatively every month. 
Second situation is that I 'm paying on a second mortgage and have been in good standing, which is not reflected on my credit report. My contact at the credit union contacted them with the correct updated information. However, it is still reporting negatively on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Shellpoint mortgage is not paying my real estate taxes. If they are not going to do it, they should cancel my escrow account and I will do it. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: After dispute with credit report agency gave me no initial explanation to why I could not view my credit report online. 

Company response: Company chooses not to provide a public response
Consumer complaint: THERE HAVE BEEN MULTIPLE ATTEMPTS TO HAVE CREDIT CARDS ISSUED OR EXISTING CARDS MAILED TO AN ADDRESS IN XXXX WHICH IS NOT MINE ( I LIVE IN XXXX, FL AND HAVE NEVER LIVED IN XXXX ). WE ENROLLED AND PAID FOR XXXX MONITORING. THEY REPORTED IN AN ALERT THAT A NEW ADDRESS WAS ENTERED ON OUR CREDIT REPORT. I CALLED EQUIFAX AND THEY SAID THE NEW ADDRESS WAS ADDED BY EXPERIAN AND THAT I NEEDED TO CALL THEM. I CALLED EXPERIAN AND THEY SAID THE REQUEST CAME FROM XXXX XXXX AND I SHOULD CALL THEM. I CALLED XXXX XXXX AND THEY SAID THEY HAVE NO RECORD OF ANY XXXX ADDRESS ON MY ACCOUNT. 
THE EXPERIAN CREDIT REPORT NUMBER IS XXXX DATE XXXX XXXX, 2016 THE ADDRESS THAT IS FRAUDULENT IS XXXX XXXX XXXX, XXXX, FL XXXX ADDRESS ID XXXX XXXX XXXX DOES NOT RECOGNIZE THE ADDRESS. 
I SIMPLY WANT THIS ADDRESS REMOVED FROM MY CREDIT REPORT SO SOMEONE CAN NOT TRY TO CLAIM THAT I LIVE AT THIS ADDRESS. 

Company response: Company chooses not to provide a public response
Consumer complaint: Upon reviewing my report. XXXX XXXX XXXX falsely stated the term and payment for the mortgage to the Experian credit bureau. the mortgage servicer falsely state the term of 46years incorrect it is 40 year mortgage. It was reported that as of XXXX 2014 the loan was current that is a false statement. the loan was in default past due by 180 days. I have maild and fax doc proof. For this reason the items are to be remove from my file. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2016, Asurint provided a employment background check report on me for their client XXXX XXXX XXXX. Asurint claimed I had a criminal misdemeanor charge which I disputed directly with the prospective employer and Asurint as not belonging to me and identity fraud. The report in question clearly states charges against a XXXX XXXX XXXX ( my name is XXXX XXXX XXXX ) with addresses not used or belonging to me. Asurint fraudulently stated the criminal report claimed alsias ( es ) XXXX XXXX XXXX which is not true. The criminal report clearly states criminal charges against a XXXX XXXX XXXX and it does not state anywhere in the charging documents XXXX XXXX XXXX was charged with a crime or XXXX XXXX XXXX was using an alias XXXX XXXX XXXX. 
The criminal charges does not show or state both XXXX XXXX XXXX and XXXX XXXX XXXX were both charged with a crime or using aliases. The criminal report does not reflect my social security number and I have disputed use of addresses listed on report to all the specialty resellers supplying inaccurate date to companies like Asurint that are using inaccurate addresses to associate or attached my name to criminal charges. 
Under the FCRA I requested Asurint to validate their claim and provide the actual charging documents showing my social security number and charges against XXXX XXXX XXXX or courts records clearly stating XXXX XXXX XXXX was using a alias XXXX XXXX XXXX to date Asurint is refusing to valid their claim and supply the information. 
In addition, I requested the names, physical and emails addresses, telephone and fax numbers and contact names of all parties associating my social number with said inaccurate addresses to date Asurint has refused to provide this information to allow the consumer to dispute the inaccurate information directly with their source. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have received numerous call from this company called XXXX XXXX XXXX. They call me multiple times a day from different numbers while I 'm at work. I 've explained to them on more than one occasion that since I work in a XXXX that I can not except calls during the day, which they continue to ignore. They are often times rude during the few call that I have taken. They also for several months now have threatened to take me to court and claim to also be in the process of verifying my place of employment. I have searched this company online and have found that they have been involved in numerous scams. I am not sure what else to do or if this company is legit. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response