AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Credit Protection Association has been harassing me foe months now trying to collect a frivolous or fraudulent {$440.00} charge. the reference number is XXXX. Their phone number is XXXX attn : XXXX XXXX. I am having to laboriously submit documentation proving that i am not the debtor. Please advise them to stop calling me and remove my name from their records. I do not want them to blemish my credit. There has got to be a better way for a consumer to not have to prove fraudulent charges. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was called by capital accounts. I told the caller that the number he was calling did not belong to me and he did n't have permission to use it. He continued to tell me I needed to get back to the point of the call. I told him I would report the company and he said do what you want. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Due to my financial hardship I was behind on my first and second mortgage payments. After some time, Green Tree, the servicer of my second mortgage got a judgement against me for the amount owed on the second mortgage in XX/XX/XXXX. They approached my employer and began wage garnishment in XX/XX/XXXX even though the house was still undergoing foreclosure review by the first mortgage company. The foreclosure sale of the property eventually took place on XX/XX/XXXX, two months after the wage garnishment had started. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is a collection item on my credit report for XXXX. I can not even remember if I have used XXXX in the past. If I did it had to have been over 7 years ago because I have been with XXXX XXXX for so long I ca n't even remember. There is not anyway I would have left a balance with XXXX. I have not been provided with any documentation that supports this amount 

Company response: Company chooses not to provide a public response
Consumer complaint: I received my Citi Double Cash credit card statement for the month of XXXX which included a late fee of {$25.00} for a payment they indicated they received on XXXX. My payment was due XXXX. My automatic bank withdraw was made on XXXX and my bank statement indicated the payment was received and cleared by the Citi on XXXX. Citi did not post my payment until XXXX, one day after the due date, and attempted to charge me the {$25.00} late fee. It took me at least XXXX minutes of arguing with a Citi supervisor who was anything but helpful to resolve this matter. I feel they have been dishonest and hoped I would not notice the fee and/or not bother to complain about it. How many other people have had this experience? 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian, reporting a negative information 's on my credit report # XXXX .This is a medical disputes with XXXX XXXX Hospital , The company that are reporting the information 's is XXXX XXXX XXXX account # XXXX, They are a medical debt collector business. The amount owe {$120.00}, All of this come from a car accident 1year ago My lawyer have filed a law suit against driver insurance policy ( XXXX ) My legal team have added this bill to the lawsuit. This negative information 's should be remove until the case is settle. New law went into effective XX/XX/2015 

Company response: Company chooses not to provide a public response
Consumer complaint: I Paid a debt off with XXXX. XXXX other credit reporting agencies removed the debt, but trans union has not. I called XXXX and they said they have reported it paid, it is trans unions problem now. 

Company response: Company chooses not to provide a public response
Consumer complaint: I asked Bank of America if they would take the private mortgage insurance off my loan. I met all the criteria, no late payments in five years, more than 20 % equity. Bank of America denied me because I had refinanced within those five years. Heres the thing, I refinanced with Bank of America. Further more, it was with the same mortgage loan officer, I got the original loan with, XXXX XXXX, phone number ( XXXX ). They said my five years would be from my new refinance date in 2012. I was never informed that I would have to start all over again. All I want is the PMI taken off my loan. I bought my home for {$270000.00}, and it is worth at least {$450000.00}, thats at least 60 % equity. I am a XXXX vet and we should not be treated like this. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: My foreclosure was finalized XXXX XXXX 2007. There was no activity since this date however, Experian only is still reporting it on my credit report which is causing me an issue with getting a home loan. I demand that Experian removes this XXXX year item from my report right away. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am in a short sale with Wells Fargo. There is no XXXX mortgage. Seller 's husband died which created her hardship. She is on XXXX and Wells has asked for 1 ) and profit and loss statement prepared ONLY by a CPA which is completely non standard, I did my own P and L since there was nothing on it but {$190.00} a month! 2 XXXX The BPO was done XX/XX/XXXX and is now expired. Since then I have been with XXXX processors who have all asked for the SAME thing repeatedly! I have continued to supply it, but now they are asking for evidence of seller receiving food stamps. This has NEVER been requested before and I have been given only 48 hours to submit it, even though it will take XXXX weeks for seller to receive one in the mail. I have a buyer whose loan lock is expiring. 3 ) Since the XXXX was done in XXXX, I am now being told it 's expired and will have to have a new one before value is reviewed. This is NOT acceptable as that will take at least XXXX more weeks. I have escalated this file to the top level, XXXX XXXX is her name, but now she is on vacation! 

Company response: Company chooses not to provide a public response
Consumer complaint: I had submitted a complaint regarding my mortgage with my lender Wells Fargo/America servicing company. Hard times had fallen on me m husband died and then my daughter had an terrible accident. I had fallen behind in my house payments by {$5000.00}, and wanted them to work with me, but they would n't, I complaint to you and then Wells Fargo called me. They said they would be sending me a letter with items they needed to modified. What I received it the mail we a letter stating my property value had gone up according to their drive by appraisal and the com parables in my area.I thought they have n't seen the inside there are damages and deferred maintenance and even structural damage due to the water leaks under the house.I called Wells Fargo the home preservation specialist that sent that appraisal she never respond to my many of messages. finally I spoke with someone in that department I was then told my file was transferred to a new home preservation they did n't know who it would be but that the new specialist would be contacting me. I have never received a phone call from the new specialist, when I call I speak with an operator. Time has past because of this and I currently own Wells Fargo {$20000.00}. which I have {$17000.00} of it. I do have a sale date scheduled for XXXX XXXX. Ido not want a foreclosure i would love to save my home and live here and repair it, but if that is not possible I rather Short sale rather then foreclosure. Because I have not been able to get a response from Wells Fargo I did sign with a realtor to do a shortsale but they are not working with her either.Please help please. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am behind on paying the loan, and take full responsibility. However, I am getting into trouble at work due to this company contacting my employer. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: M & S Recovery Solutions contact me staring that they received my information from XXXX for a debit and threatened to sue me if I did n't comply with the terms I advise M & S Recovery Soultions that I have knowledge of this debt and do not call me again and the representative on the phone said well saying you have no knowledge is like saying you do n't have a brain. I told him he should not contact me again and before I could hang up he said that M & S Recovery would be sending my personal information to the credit agencies. I contacted XXXX acceptance perviously the originating company and advise that I did not apply for any credit with XXXX and a representative stated that they did n't have any information with my personal information. M & S Recovery Solutions LLC are attempting to threaten me into paying a debt that is not mine. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: This account was paid off and the company did not reflect this on my credit report and it needed to be updated once they have received there payment in full. 

Last Reported XX/XX/XXXXCreditor Name XXXX & XXXXAccount Type Charge AccountAccount Status Closed - DerogatoryOpened Date XX/XX/XXXXClosed Date XX/XX/XXXXLimit -- Term -- Monthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXPayment Status Collection/Charge-OffWorst Payment Status UnknownDate of Last Payment XX/XX/XXXXAmount Past Due $ XXXXTimes 30/60/90 Days Late 0/0/0Remarks Charged off as bad debt 

Company response: Company chooses not to provide a public response
Consumer complaint: HELOC loan with a monthly payment of {$250.00} has maturity and Bank of America is wanting to convert to a 15 year payout with a monthly payment of XXXX, does not include my insurance or taxes. My fixed monthly income is {$1900.00}. I was offered a modification for 40 years payment XXXX which would be manageable. I was denied and now they want me to do a short sale or they will foreclose. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was an account holder at Suntrust when I applied for a secured credit card in hopes of improving my credit. I was turned down. About a year later I was completing a transaction inside the lobby with a teller when she informed me " XXXX XXXX, it says here that you are pre-approved for our secured credit card ''. I was very surprised since I was turned down a year ago. I expressed my doubts to her and to another associate who had joined in the conversation. They both said that I was pre-approved and that it would only take a couple minutes to reply. Against my better judgement I allowed them to submit the applic. Well, sure enough I received the rejection letter XXXX days later. I feel that Suntrust lied to me, betrayed me, and mislead me. So instead of helping me improve my credit, they have probably made things worse for me. I filed my complaint with Suntrust and was assured that someone would get back to me. No one did. I called a XXXX time about XXXX weeks later and was given a case # and was assured that someone would get back to me. No one did. I called a third time and the CSR was not interested in my case # and insisted that I provide her all sorts of personal info despite the fact that I no longer have an account with Suntrust. It is quite apparent that Suntrust has no intention of discussing the matter with me. 

Company response: Company chooses not to provide a public response
Consumer complaint: CHEXSYSTEMS HAS FAILED TO REMOVE ALL NEGATIVE REPORTING HISTORY FROM CHEXSYSTEMS REPORT. ALL ACCOUNTS THAT ARE LISTED IN CHEXSYSTEMS WERE INCLUDED IN CHAPTER XXXX BANKRUPTCY. BY LAW THIS ACCOUNTS HAVE TO BE REMOVED AND DELETED FROM MY CHEXSYSTEMS REPORT. 

Company response: Company chooses not to provide a public response
Consumer complaint: Payments are too high. Needed the loans to attend college. Wish to pay back but need lower payments. SC Student Loan charging a 9 % interest rate which is way higher than the market and will not negotiate to lower the rate or spread out the payments. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We cosigned thru Wells Fargo for my son. He defaulted because he was out of work for 2 years. We helped as much as we could. Wells Fargo has put a bad debt on our credit as well as my sons. They said that the whole XXXX has to be paid or they wont take it off our credit reports. They will not negotiate for payments my son can handle. We worked our whole life and now ca n't even buy a car 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX has been reporting my account as late for over 90 days, back in XXXX I contacted them about my name change. They lost my files and never changed my name, from my marital last name to my maiden name. In XXXX my family went through a hard time and I contacted a debt management XXXX to help make sure that everyone still received payments including XXXX. XXXX denied my request yet accepted the payment from the debt management claiming that the last names did not match, however reported me to the credit bureau as late 30 day. I called to find out why were they able to accept a payment under a different last name same social security number but deny a proposal based on last name which i submitted back in XXXX. They reported through social which is on a totally different last name. Every month they received a payment from the XXXX XXXX company yet report me as being late for XXXX days, ruining my credit significantly. I contacted them only to be rudely answered by customer service. I am in the process of buying a house and they are the only company who have significantly ruined my credit with the late payments. I have stayed in constant contact with XXXX never missed a payment to the day that my family went into financial difficulty and still i ensured that they received a payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took my initial home loan with the SECU in NC in XXXX for a foreclosed home. In XXXX, I refinanced the loan to keep the rate low, and again bought down the interest rate in XXXX to keep the rate low. This ability to buy down the rate was used as a selling point by the SECU to convince me to obtain this loan through their institution. I was never notified of any changes to the practices of the institution in writing regarding the ability to do this. I inquired about buying down the rate again in XXXX of XXXX as the rate will increase, to which I was told the SECU no longer performs or services these loans as they no longer offer a XXXX year ARM. I asked about options for the loan and was told I would have to go through the entire mortgage process again to make any changes or attempt to modify the rate on my loan. I feel this is a direct attempt to manipulate my loan to obtain a higher interest rate and lead to increased revenue by the company. I was misled and was not notified of the change in advance in any writing by the company. 

Company response: Company believes complaint relates to a discontinued policy or procedure
Consumer complaint: Regions bank applied un-warranted overdraft charges to my checking account. The balance never went below - {$2.00}. I reviewed my balance daily, balance never went below stated amounts. The bank states items caused {$72.00} in overdraft charges, but never di account from my view show the negative amount they are claiming. I suspect they are intentionally hiding transactions from customers in the name of higher bank profits, I believe it could be termed " Rob-N-the-Hood ''. When questioned why I was never priviledged to see said transactions, they stated in an email on their web site that it was complicated. Consumer rights should always be able to see all transactions presented to bank, not hidden. So since the bank sees this as an incredible profit opportunity, I elect to have refunded to me an amount for comparable amounts, my revenue vs their revenue would be fair. Say {$10000000.00}, no less. This should and most likely is disceptive, illegal, immoral practice on the part of the bank and they need to be punished as such. 

Company response: Company chooses not to provide a public response
Consumer complaint: On the following dates I used Navy Federal Credit to make Bill Payment to following account at XXXX XXXX and XXXX XXXX XXXX XXXX I contact my to inquiries on payment that was sent by bill pay. XXXX XXXX contacted me and I was not available then call back on XXXX XXXX, 2015 and spoke with XXXX from Navy Federal Credit Union who contact XXXX XXXX while I was on the phone I received various bill from XXXX XXXX and XXXX XXXX XXXX XXXX which will require the bank contact the individually regarding the receipt of payment the first contact XXXX was asking question about the account on the statement when they should be either put my name, or the account that was given by the bank XXXX. XXXX indicated the they had different account number from the one they sent me stating I have miss payment. The Navy Federal Credit Union Confirmation Number is XXXX for {$390.00}, XXXX for {$35.00}, XXXX for {$35.00}, XXXX for {$390.00}, XXXX for {$35.00}, XXXX for {$35.00}, XXXX for {$100.00} I request XXXX to send letter and ask them to verify method of payment because they can confirmed the checks has been paid and the amount was with withdraw from my checking account and XXXX was not very help she was will give private information to XXXX. I had inforned her several times not to release this information, Please investigate the Navy Federal Credit Union and XXXX XXXX, XXXX XXXX XXXX XXXX and ensure they working according to United States Federal Regulations 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: my wallet was with all my property ; include my driver license, my social security card, my credit card. I had reported to the law enforcement. as I continue to say those charge that appear on my credit report are not belong to me I sent you the report you refused to make the necessary change according to law. if do n't think this not correct call them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was told that I had 0 % interest charge. I was not informed or warned about the deferred interest charge. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a check for {$2700.00} for work that I had done online for XXXX XXXX. I deposited the check on Friday XXXX and some of the funds were available immediately. The remaining funds were to be made available today. The remaining money was placed in to my account this afternoon and then removed because a stop payment had been placed on the check. The money was already in my account and the check should not have been available for stop payment. I would like my funds returned to my account immediately. I am really upset with these financial institutions dealing with my money any way that they want to. I need help and protection. This is the XXXX time I have had an issue with a bank this year and have had to escalate it to this point. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was billed by the local electric authority ( XXXX ) for the balance of a bill I did not know that I owed ( I had moved away from the apartment in question several months prior ). I received a letter from XXXX that was forwarded to my new address and I paid the bill, directly to XXXX, on the final day that it was due ( XXXX/XXXX/15 ). 

About a week later I received a letter, issued XXXX/XXXX/15, from PennCredit attempting to collect the debt on behalf of XXXX. I called PennCredit at their listed number on XXXX XXXX. I explained that the bill had been paid, and the person answering the phone assured me that PennCredit would verify this with XXXX and that I would need to take no further action. She told me that PennCredit would be unable to verify that the matter was settled in writing. 

Today, XXXX XXXX, I was informed by my stepmother that Penn Credit repeatedly called my father and stepmother 's house, seeking to contact me. I have not lived in the same household as my father for 17 years. I called Penn Credit to ask why they were continuing to follow up, and the person answering the phone was only able to tell me that she had a record that the debt was paid, as well as a record that the phone call had been made, and did not know why my record was still being called, as there was no outstanding debt. She was unable to provide any kind of additional confirmation that I should not longer be contacted ( really, I should not ever have been contacted in the first place ) and that this would not happen again. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The amount on the account is wrong. The amount showing is from the company charging an advance bill plus there claiming lateness. I transferred to another company with the same phone number due to the inconsistencies ' in the amount. The company offered me a settlement but, XXXX they should put the correct amount owed then add on a settlement. The fees and taxes all high then I am suppose to pay on an amount that is n't correct. 

Last Reported XX/XX/XXXXCreditor Name XXXXAccount Type Telecommunications / CellularAccount Status Closed - DerogatoryOpened Date XX/XX/XXXXClosed Date XX/XX/XXXXMonthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXPayment Status Collection/Charge-OffAmount Past Due $ XXXXTimes XXXX Days Late XXXX Collection AccountPlaced for collectionPayment HistoryNo payment history has been reported by this creditor. 
Creditor Contact DetailsXXXX XXXX - XXXX XXXX XXXX, XXXX ( XXXX ) XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX Incorrectly stated late by thirty days on XXXX X when they clearly received on time payments. XX/XX/2014 they marked the payment late for 30 days when they received it on time for credit reporting on XX/XX/2014. Yet the statement shows received on XX/XX/2014 and processed XX/XX/2014. Something similar happened in the next month. The payment was due on XX/XX/2014. However that date was on a Sunday. XXXX processed on the Monday XX/XX/2014. That payment was probably received on the Friday or Saturday before the due date but processed on that Monday 

Company response: Company chooses not to provide a public response