AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: STP Group ( Collections ) continues to contact my place of employement, an XXXX and his family members after being asked not to. They ( XXXX XXXX XXXX/XXXX/2015 ) disclosed false information to my XXXX family and threatened to charge them. An undisclosed individual of the company said she would call back to my office and tell my co-workers and boss I refuse to pay my bills. They will not stop calling my place of employment although they have my personal number to reach me. XXXX XXXX informed me she does not have to stop calling and will continue to do so until I pay her then hung up the phone. Furthermore, I do n't believe this company obtained my information legally and/or their claim in valid. I contacted the original company who stated I do not owe them nor was my account sold to STP Group or Collections. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I got a receipt today at TCF Bank which was very, very deceptive.The available balance included my overdraft protection account, BUT NO WHERE ON THE RECEIPT DOES IT STATE THAT THIS BALANCE INCLUDES THAT ACCOUNT.It is so easy to see they are trying to rip people off, as they will mistakenly believe more money is available than they actually have, and will overspend and get charged fees and a high interest rate on money they think is theirs.Anyone who has already overspent because of this egregious deception should be reimbursed immediately!!! ( the XXXX and XXXX will surely be most victimized ) TCF Bank should be ashamed of their unlawful business practices and I hope a lawsuit is on the way. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: My home was foreclosed illegally by Bank of America XX/XX/XXXX. I had requested a short sale, and modification. The papers for the modification were sent to me to send back but the foreclosure was done before the date to return the forms. Squatters had taken my home and refused to move out. I reported the squatters to B of A. They refused to do anything. I called the bank more than XXXX times trying to advise them of the squatters. The house was foreclosed and legal action was taken against me to get the squatters out. I have eviction actions on my name at the court house and I did not receive any notifications of the actions taken. I have just recently seen all the legal actions processed in my name when I was denied another credit rental action. The squatters moved into my home in XX/XX/XXXX and stayed there until XXXX or XX/XX/XXXX. I asked the police to evict them. They refused because Bank of America said it was their house and it was their responsibility to get them out and not mine. The squatters damaged the home. They stole all of the copper and the air conditioning unit. The house was infected with roaches and holes were in the walls. I have been charged with all the damage and my credit record is showing evictions I was not responsible for. I had processed a change of address but did not receive any notifications. I had requested assistance but the different depts. were not letting each other know what they were doing. My modification was being processed the same time the foreclosure was being processed. I called the attorney for B of A and was told the foreclosure was sealed. I called B of A and was told my short sale was possible and another dept had me set up for the modification and I lost m house on XX/XX/XXXX. What can I do? The process was illegal. 

Company response: Company chooses not to provide a public response
Consumer complaint: lost my wallet, and i had my social security card in it. someone might have used my name and number to get services from commonwealth XXXX company 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank placed a negative complaint on my XXXX report for suspected fraud activity and I do n't owe the bank anything and there was no fraud on my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had my credit card number changed XXXX over the last year by the issuer for fraud prevention. The automatic payments I had on the old card numbers were apparently going through, with no alert or issue, even though those old card numbers were supposed to be inactive. The issuer never issued a statement of any kind on these charges. The oldest number was changed in XX/XX/XXXX. On XX/XX/XXXX the issuer moved XXXX of these charges to my current account with the note " MOVE DEBT FROM FRAUD ACT '' for a total of {$1400.00}. I have no way of knowing if the vendor, date or a way to verify these charges. I called the issuer and they refuse to take these charges off even though they can not give me a statement as to who billed and when. They simply label the charge " MOVE DEBT FROM FRAUD ACT ''. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XX/XX/2015, I closed on a property that was obtained thru a XXXX loan. The mortgage is with MLD Mortgage Inc. The way the mortgage is set up, I borrowed money for both pruchasing building, and rehab for it. The rehab money is in an escrow account, operated by The Money Store. The process is that we complete some of the rehab, thru an approved general contractor, the work is approved by a HUD consultant, and the money is distributed according to work completed. I was told once the paperwork is completed by the HUD consultant, it should take 3-5 business days for a check to be issued. The HUD review was completed and turned in XXXX XXXX, XX/XX/2015. My loan officer XXXX XXXX turned the paperwork in that day. I have not received any money for the work completed. I have contacted XXXX, and he states he turned the paperwork in, and after that, it is out of his hands. He gave me several people to contact at the Money store to get information on why the process is taking so long. I have contacted every he suggested, I have not gotten any information as to what is delaying the funds being distributed. I actually can not even get anyone to return my emails or call. I 'm frustrated because the contractor for the porch completed the work 4-5 weeks ago and he needs a payment of {$15000.00}, which I do not have. I would like some communication between The Money store so I can tell the contractors when to anticipate payment. I also am paying interest on the money I borrowed, so I feel it is unfair that I do not have access to money I 've already paid for. 
XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXXXXXXXXXX Money store Corporate office ( XXXX ) XXXX XXXX ext. XXXX XXXXXXXXXXXX Dear XXXX ext. XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Received a notice from RPM that says they are trying to collect a debt I owe. The notice says I have ignored repeated attempts by XXXX to collect the debt. I have never had XXXX, and was never contacted about any debt. I have read numerous complaints against this company online - and a lot of them sound just like mine, even using XXXX as the company that is supposedly owed money. I am afraid to call them since most reports online say they are horrible, and harass and repeatedly call and threaten people, even when the debt is phony. It also appears that their bogus charges can appear on credit reports! I want to avoid any issues, since I do not owe anyone any money. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX, attorneys for Select Portfolio Servicing ( SPS ) have threatened foreclosure of my house see attachments. The CFPB has been clear through amicus briefs, examination procedures and guidelines that when mortgage servicing rights are purchased subsequent to a loan being in default, the Fair Debt Collection Practices Act ( FDCPA ) applies and a non-judicial foreclosure is in clear violation of the FDCPA. A XXXX of my house remains on XXXX stating there was an auction and updates are awaiting. SPS nor their attorneys have been able to provide historical loan records from inception of the loan. Recently, their attorneys sent me a Notice of Rescission of Mortgage Acceleration which supports the fact that a non-judicial foreclosure should not and can not occur. Despite my request for SPS to stop calling me, they continue to call. Please review all attached documents. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was XXXX contact by this company on XXXX XXXX, 2015. A man left a voicemail on my personal cell phone instructing me to call back regarding a business matter. They also contacted various members of my family that same day within an hour of leaving the voicemail for me. I attempted to return the call XXXX different times that day, only to be placed on hold for upwards of XXXX minutes, before either being transferred to a random voicemail or getting disconnected. 

XXXX days later, I received a " final notice '' letter from their legal department ( dated and postmarked XXXX XXXX, 2015 ), telling me I owe over {$3000.00} - an amount I do n't recognize - and demanding I pay the full balance of my account within XXXX days or the company will commence litigation and that they are presently compiling information regarding any property I own. It goes on to state that I will also have to pay the company an additional 10 % interest! plus court fees! attorney fees and processing fees. The letter states nothing of my right to dispute this debt, only that if I want to avoid further legal action, to contact them and that if I do n't pay them within XXXX days, they will assume I 'm not going to and will sue me. 

I 've already mailed a certified letter back requesting both verification of the debt and that they stop contacting me, but have not received the delivery confirmation for this letter yet. 

I received another phone call from this company today, XXXX XXXX, 2015, again asking me via voicemail to call regarding a vague " business matter '' and am hearing from the same family members as before that they are being contacted again as well. 

Also of note, the phone number for the most recent call was the same sequence of numbers as before, but appears on my caller ID as if it 's coming from another country ( i.e., XXXX as the country code, rather than XXXX for a XXXX number ). 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: On XXXX I purchased an airline ticket online with XXXX airline using my bank of america credit card. Airline emailed me a receipt for {$580.00}. However, bank of america added a foreign transaction fee of XXXX to my statement. When I called the bank of america their rep told me this is fee charged by airline and that I should speak to airline directly. I told him it was not airline because airline emailed me receipt without the fee. I asked to speak to the manager of that rep. Manager aknowledged the fee was posted by bank of america and airline. When I said there should be no fee for purchasing online, since I was in USA not in the foreign country, she said that was their policy for any purchases from foreign companies ... they didnt refund the fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: The collection agency Representative XXXX XXXX threatened to call my employer ( a bank ) and tell them I have a dirty mouth and do n't pay my bills. 
I had already paid the medical bill in full and was served papers that they were suing me for interest along with attorneys fees. I had initially contacted the company of my own free will in XXXX to pay the balance in full. They stated they were owed interest and would not accept my payment unless I paid them for their job. I asked for proof they had the authority to seek interest and they stated they did n't have to prove anything. The collection bureau was not only rude while I offered to pay in full but demeaning asking me questions specifically " oh yeah where did you get the money to pay us? '' and " your a XXXX that does n't pay her bills. '' 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Good Afternoon, I previously had XXXX loans with Sallie Mae. XXXX stafford loan for undergraduate study ( approx. {$1000.00} ) and XXXX XXXX degree smart loans ( approx $ XXXX ). Sallie Mae sold off my stafford loan to a company called XXXX. Back in XXXX 2015 I decided to consoldate the loans through XXXX XXXX and payoff the XXXX XXXX loan. After XXXX was paid in full, on XXXX XXXX 2015 my spouse intiated a wire transfer to pay off the XXXX Sallie Mae student loans using Sallie Mae provided information over the phone. Sallie Mae 's account information and address were confirmed and the wire transfer went through. 
A few days later it was discovered that I had a positive credit of {$13000.00} in my stafford loan with XXXX which was previously at a zero balance. I called Sallie Mae with XXXX XXXX on the line and they again confirmed that all information for the wire transfer was accurate, however, through an internal problem between the XXXX companies, XXXX received the funds. 
Sallie Mae is denying all responsibility and XXXX has refused to return the funds. I have been receiving threatening calls and emails from Sallie Mae demanding payment on a loan that was paid 2 months ago, and continue to incur late fees and interest on my account. I am in the process of disputing the loans with XXXX, XXXX, and XXXX. 
Sallie Mae continues to state that they have nothing to do with XXXX, however, my stafford loan has an identical account number to my smart loans and they use the same call center ; when I called Sallie Mae with a Senior XXXX XXXX representative we were transferred to XXXX. 
Any assistance would be much appreciated. I have documentation from XXXX XXXX with payoff information including Sallie Mae as the payee, Sallie Mae address, and trace number. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have never went to this hospital never been there never receiveda letter from this collection agency 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX my SunTrust account was hit for {$140.00} in NSF charges and another {$72.00} in NSF charges on XXXX XXXX. These charges where for transactions conducted on XXXX XXXX and XXXX XXXX. However, XXXX drafts came in on XXXX XXXX XXXX, that were paid prior to the transactions that were conducted on the previous Friday and Saturday. At the time the transactions from Friday and Saturday were made, the funds were available. If processed based on the time stamps of the debit card transactions, I would have been only charged {$72.00} and not the {$210.00} that I was hit with. I know transactions pend over the weekend and SunTrust pays largest to smallest, but this unethical and it is purposefully setup to maximize fees and hurts the consumer in almost all cases, whether intended or not. These unethical practices must stop. 

Sincerely, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a call from XXXX indicating that he was from an investigation dept for company XXXX needing me to call them within 24 hours if not a judgment will be fine against me since they worked for an attorney 's office and that they would contact my employer to garnish my wages. He later indicated to call back at XXXX with case # XXXX. I have never received any noticed in the mail about it. I call them back but what they wanted is for me to pay by phone an did n't offer to send me a letter XXXX with the instructions on how the payments were going to take place. They have also called my brother indicating that there is a judgment out on me already. 
I called CashnetUSA directly and they told me that they sold my debit XXXX XXXX. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: On XX/XX/XXXX I paid {$3000.00} to my credit card. My payment was applied towards a balance {$4000.00} with 0 % APR that will be expired on XX/XX/XXXX. I nave {$1100.00} balance with 0 % APR that will be expired on XX/XX/XXXX, but nothing from my payment was applied towards this early expired balance with 0 % APR. 

Company response: Company chooses not to provide a public response
Consumer complaint: A bill for {$93.00} that I do not owe. Looks like a scam letter. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: This is a weird XXXX. I submitted a Dispute through transunion and it was for something small on an account that hadnt been marked Closed as on the other XXXX CR agencies. This took place on XXXX. Now here is were it gets weird. On XXXX XXXX my credit score on XXXX dropped from XXXX to XXXX. Now knowing this, there was no change on any of my credit reports maybe very minor but nothing that should have caused my credit score to drop. All three of my credit reports are basically the exact same with very very minor differences on closed accounts but thats it. The other weird thing is that at the same time my other XXXX credit scores went up from XXXX to XXXX all within the same week. Ive tried to call Transunion but Im on the longest scheduled deployment in naval history so usually dont get much time on land and they wouldnt help. Any assistance would be greatly appreciated. XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: They keep calling me and wo n't say who they are, just that they were hired to collect a debit I owe. And when I try to explain that I do n't owe any XXXX they start saying they are sending someone to my home with a summons. They are now harassing me. How can I make this stop? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX management made a mistake and I 've explained to them not thing to do with me after moved out for XXXX months! 
Account Name COLLECTIONS USA INC No Data ReturnedFor This Bureau CLLCTIONSUSAAccount # XXXXAccount Type Collection Department / Agency / Attorney Collection AccountBalance {$530.00} $ XXXX Opened XX/XX/2013 XXXX/XXXX/XX/XX/2013 Account Status ClosedThe collection debt still open from XXXX report why? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am trying to rent an apartment and the renter ran a credit report on me through Transunion and was unable to get any information. I also tried getting my free annual credit report though Transunion and XXXX and both would not give me any information. I was able to get my report using XXXX though. 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX XXXX XXXX XXXX .Date of Birth XXXX/XXXX/1956 On my credit report you have my son 's name and SS # included on my report!!! There are bill 's from XXXX XXXX and other XXXX bill 's that I have NOTHING to do with!! I have NO collection XXXX contacting ME for any reason!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: Around XXXX in 2011 my account was reported for fraud i went through the process with u guys and everything the account went into investigation and the fees were paid out every thing was settled you guys closed the account and stated i couldnt get an account with BANK OF AMERICA at the moment but could with other banks. Later on the following year i was mailed a check to cash for XXXX that was what i had left i guess. So now im not understanding why cant i get an account with anyone. 

Company response: Company chooses not to provide a public response
Consumer complaint: On Saturday XXXX XXXX, I received a notification from XXXX that a new collection account had been reported ( listed as XXXX XXXX XXXX ) .. Immediately I checked and it was being reported by Stallings Financial. I called them on XXXX XXXX, only to find out they were closed that day. On Monday XXXX XXXX I called XXXX XXXX XXXX department inquiring on this account to find out what it was. They stated that it was a final bill from 2013 that was never paid. I asked them why they had not sent a bill, as I NEVER received anything from them ( I left my forwarding address with the post office. ) I paid this immediately on Monday, XX/XX/XXXX.They informed me that Stallings Financial would be the person to contact regarding this. I contacted Stallings Financial on XXXX XXXX asking why they had not contacted me regarding this. XXXX, with Stallings Financial, informed me that they had sent a few notices, which were returned as undeliverable to them. Had I known ANYTHING about this I would have taken care of it. Not XXXX time did I receive any correspondence from the XXXX or Stallings Financial regarding this. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: My home number XXXX is called repeatedly by debt collectors. Commonwealth Financial calls, asks for XXXX and then hangs up. They do not identify themselves. I had to call the number back to get the name of the company. 

I am not XXXX. I do not know XXXX and have never known any XXXX 's. I have had this phone number since 2003. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Prior complaint # XXXX. Now I have spoken to numerous people and still they can not provide me with answers on why my credit card was cancelled. 
They say my credit score is XXXX, I called XXXX and spoke to a XXXX and she said impossible that my score is XXXX, Bank of America also said that my report is showing delinquencies but, XXXX says their are no delinquencies. I do n't understand and I did explain about the derogatory items but, my report is better then some people that are still able to have their credit card, why am I being treated differently. Now they issued another inquire on my report and that will lower my score more. 
The other question that they cant answer is why was n't my credit card cancelled when my score was below XXXX but, when my score is XXXX they cancelled it. 
This is what XXXX saysXXXXXXXXMy XXXX and XXXX XXXXHow you compareYour credit ranks higher than 24 % of the American consumers. 
Credit Reporting AgencyXXXX XXXX XXXXCredit Report PeriodXXXXXXXXXX/XX/2015Credit ScoreXXXXUpdated on XXXXXX/XX/2015And it was XXXX but, now since they did a hard inquire, it is XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, Simply I contacted XXXX to ask them to reinvestigate several hard inquiries on my credit reports. When they got back to me, they stated that I did authorize the hard inquiries, I asked them to provide proof of this and they will not. I ask that you guys aid me in having XXXX completely remove the hard inquiries for lack of proof. 

Company response: Company chooses not to provide a public response
Consumer complaint: I wanted to stop a payment on a reoccurring charge from XXXX XXXX on my Bank of America checking account. I do n't plan on being in the area for a long time but XXXX XXXX needed proof that I was leaving to cancel my membership. I called the bank and they charged me thirty dollars to put a stop payment in place. Two to 3 days later, XXXX was able to access {$96.00} dollars from my debit card. I called the bank again and they told me that since the payment was still processing, I could call back and file a claim to get the money back once the payment went through. I did n't have time to immediately address this matter but after looking at my checking account purchases again, I saw another {$96.00} transaction from XXXX. I called the bank and spoke to a man named XXXX who told me that they did the wrong transaction to properly stop the payment when I originally called and that I probably would not get my money back since I did not cancel the gym membership. 

Company response: Company chooses not to provide a public response