AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I applied for and received a loan from XXXX XXXX XXXX when I was in college 10 years ago. My loan was later sold to Loan Science. XXXX XXXX XXXX is the servicer of my loan. I have always paid my loan on time and have never had any problems until 2 weeks ago. My aunt, who is the cosigner on my loan, called me and said that Loan Science called her to ask for the payment. I told her I would take care of it. When I got off the phone, I got a phone call from Loan Science saying that I was short on my last payment. It was now 15 days past due. I asked how much and they said a little over {$1.00}, but because I was short that amount when I paid, they also assessed a late fee for another dollar and some change. They were calling me because I now owed them {$2.00}. They explained that they talked to my aunt and she had paid it, but wanted to let me know what my new monthly payment was. It had changed because of a variable interest rate. I thanked her and thought it was over. Then I got another phone 3 days later from Loan Science stating that I was still in default on my loan for the {$2.00}. I explained that I was told it had been paid. She apologized and said they had made a mistake and no payment had been made. I told her I would take care of it and pay through my bank. Since that day I have received 15 more phone calls from Loan Science. This has all been within a 10 day time span. I have never been left a message, they just continue to call until I pick up and ask the same question over and over again. I feel that I am being harassed by Loan Science for a small mistake. I had moved recently and gotten married and in the shuffle had n't had time to update my correct address and name change. I just sent the same amount I always sent every month. I can not stress enough that I am responsible and always pay on time. I think it was absurd the amount of phone calls I received regarding such a small amount of money. When I tried calling XXXX about changing my address the woman who received my call refused to talk to me because she said my account was past due and I had to talk to Loan Science. She rudely cut me off and transferred me to Loan Science who can not help me with name or address changes. They said I would have to call XXXX for that. I finally got XXXX of someone who would help me after Loan Science called XXXX to explain what I was wanting. This boils down to a simple mistake but was treated as a crime and harassed by the many phone calls from Loan Science. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: First National Collection Bureau , Inc. sent me a letter ( along with a payment book ) indicating that I owe over {$5000.00} to a company I never incurred debt from. On this letter, they indicated that this " debt '' was from 2007. After further research, it was determined that this company has been practicing in false/scam situations similar to this one for years. I ran my credit report ( as a safety precaution ), and saw that this debt is not and never was on my credit report. Upon further research, I saw that this company has MANY class action lawsuits pending against them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Borrower seeking compensation & damages for all Unapplied, Misapplied Funds by Suntrust processing department in XX/XX/XXXX. 
Full compensation for Late fees applied in XX/XX/XXXX which were than charged in XX/XX/XXXX ( not once but three times ) .These mistakes of course involve again pulling FULL made payments into suspense which SunTrust ca n't keep track of. 
The borrower will provide payment receipts for payments made before and after the late fees charged, so that there can be a continuance. 
XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX - Full payment is pulled into suspense? No late fee XXXX XXXX -paid XXXX XXXX XXXX -Skipped NOT posted XXXX Late fee charged {$77.00}? 
Past due {$2200.00}? 
XXXX XXXX -paid XXXX XXXX XXXX is posted to XXXX? XXXX Late fee charged {$77.00}? 
Past due {$4400.00}??? 
XXXX XXXX - paid XXXX XXXX XXXX - statement date XXXX XXXX XXXX Late fees charged {$77.00}? 
Past due {$4400.00}??? 
XXXX XXXX -paid XXXX XXXX XXXX statement date XXXX XXXX ( transaction date bottom row shows XXXX ) on top the receipt states XXXX XXXX? XXXX Late fee is charged {$77.00}? 
Past due {$4400.00}??? 
XXXX XXXX -paid XXXX XXXX statement date XXXX XXXX XXXX is charged {$77.00}? 
Past due {$4400.00}??? 
XXXX XXXX -paid XXXX XXXX XXXX statement date XXXX XXXX XXXX charged {$77.00}? 
Past due {$4400.00}??? 
XXXX XXXX -paid XXXX XXXX XXXX -posted XXXX No late fee ( XXXX XXXX added a late )? 
Past due {$2200.00}??? 
XXXX XXXX -paid XXXX NOT POSTED or credited anywhere & gt ; {$2200.00} Due back to borrower!! 
XXXX XXXX -paid XXXX XXXX is applied to XXXX XXXX XXXX No late fee ( XXXX XXXX added a late )? 
Past due XXXX So someone realized the mistake and fixed everything but did NOT correct any of the late fees charged of {$540.00}. there is also ONE Full payment From XXXX XXXX which was NOT credited anywhere which is now due back to borrower with interest since XX/XX/XXXX. 
XXXX XXXX investigation completely false and inaccurate! In XX/XX/XXXX she went back to XX/XX/XXXX to find more fees to apply to the mod - Not only that they Bogus and should have been adjusted once the mistake was fixed but as it turns out there is ONE full payment from XXXX XXXX XXXX - Missing {$2200.00} with interest to be refunded to borrower. 
the entire list of the lates charged in XX/XX/XXXX in the modification are uncorrected mistakes and the rest are fabricated. All receipts with statements are attached. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX XXXX XX/XX/XXXX XXXX IS DISPAYED INCORRTCY AND IT HAS BEEN OVER 30 DAYS AND STILL THE INORRET INO HAS NOT BEEN DELETD FROM MY CREIT REPORT. 

DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: To knowingly or willingly employ any device, scheme, or artifice to defraud ; ( b ) To engage in any transaction, practice, or course of business which operates as a fraud upon any person in connection with the purchase or sale of any mortgage loan ; or loan modification ( c ) To obtain property by fraud, willful misrepresentation of a future act, or false promise. ( d ) In any matter within the jurisdiction of the office, to knowingly and willfully falsify, conceal, or cover up by a trick, scheme, or device a material fact, make any false or fraudulent statement or representation, or make or use any false writing or document, knowing the same to contain any false or fraudulent statement or entry. 
To violate s. 655.922 ( 2 ), subject to ss. 494.001-494.0077. 
Commission of fraud, misrepresentation, concealment, or dishonest dealing by trick, scheme, or device ; culpable negligence ; breach of trust in any business transaction in any state, nation, or territory ; or aiding, assisting, or conspiring with any other person engaged in any such misconduct and in furtherance thereof. 
XXXX XXXX from Suntrust engaging in constant concealment and misrepresentation of facts. 
Borrower was charged for items or " Advances whit the borrower already had long paid : This complaint is to address the XXXX/XXXX/2012 $ 107.29 % XXXX/XXXX/2012 alleged advances for which the borrower already paid again part of non existent and concocted modification : 1 ) Borrower was charged {$100.00} which XXXX XXXX from Suntrust is insisting it was not paid! The receipt & even the statement from Suntrust acknowledged the payment of {$100.00} ( see attached ) 2 ) Borrower was charged again for the {$210.00} which was already paid back. The amount was subtracted by Suntrust already in from the borrower escrow balance in XXXX 2012. 
-See statement for XXXX/XXXX/2012 Escrow balance as of XXXX XXXX {$2600.00} -See statement for XXXX/XXXX/2012 XXXX/XXXX/2012 the hazard insurance is paid XXXX - {$2800.00} = - {$210.00} Same statement the payment from XX/XX/XXXX adds money to escrow + {$600.00} See escrow balance now = {$390.00} If the advance of {$210.00} would not be subtracted the escrow would be {$600.00} This is just simple math! How can XXXX Bank/Mortgage investigator be so incompetent! 
This is another {$310.00} charged to borrower for payments that were already made! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2013 a debt was paid to an attorney 's office. I received notices from XXXX 3rd party collection agencies ( ditech and green tree servicing ) attempting to collect this paid debt. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On XXXX XXXX, 2015 maybe federal credit union withdrawal or reverse {$200.00} out of my account which day were not entitled to do the claim that they have reversed it to {$200.00} from my account because they have gave given me credit for dispute I have made which day did not and never automatic give me credit I have several dispute pending which the did not give credit for while speaking with the representative they indicated that it was their error and they should not have taken the money out of our account maybe federal constantly reverses they constantly steal and over charge please investigate all products and services from maybe Federal credit Union to ensure this business banking institution is running according to United States federal regulations in any misconduct mismanagement they should be charge according to United States federal law 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I secured a mortgage with Greentree XX/XX/XXXX for a mobile home. I have made regular payments since then without any major interruption. XX/XX/XXXX, my loan was taken over by Ditech and soon after they said my loan had matured and they wanted the full amount left on my loan, over {$2500.00}. I have explained, monthly after getting collection letters, that I am now XXXX and payment beyond monthly payments are not an option for me. I called earlier this week after getting one and the guy I spoke with tried to tell me I had never made any payments! I have the money order receipts going back to XX/XX/XXXX and the amounts sent. I was sent to another person who said my payments were in the system. She said these letters are computer generated and I would continue to receive them. No effort to set up a set payment plan I could manage or anything. No help at all. Then I get this letter telling my to take my complaint to the FTC AND CFPB. As a side note, I did try to procure a personal loan to pay this company off but, since they have reported my account to the credit bureau, I was unable to do so. This seems like poor business practice on the part of Ditech and Greentree had to know what their practice was when they sold my account to them. Please help if you can. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On or about, XXXX 2015, I disputed a collection account XXXX to be inaccurately reporting, they sent me a response saying the account has been updated but nothing has been updated. I then requested that they remove the dispute statement which the creditor placed there because it Is no longer in dispute. This has not been corrected yet. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX my husband got a probate cash advance from a " probate inheritance advance '' company called ACAC , Inc . They had him sign a deed of trust and recorded said deed of trust against the real property in his mother 's estate even thought they told him that they would not do that until the loan became due which was XXXX, XXXX. In XXXX XXXX they filed a petition to have him removed as administrator and to force the sale of the family home. Since that time we have been fighting them in the probate court. In XXXX of last year they filed a declaration showing that at the time of the transaction they did not have a Mortgage/lenders. We have filed a lawsuit against them. They are stating that it was an " advance '' and not a loan so California statutes do not apply. I am trying to find out what the difference is between a loan and an " advance ''. Any help would be greatly appreciated. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: NETCREDIT made false statements to cfpb. I suspect impersonation. The ID thief who had been in frenzy of insider trading with the company is at large. The ID thief might be XXXX XXXX. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have had a checking/savings account with Wells Fargo since XXXX. Without any contact or warning, my account was shown as frozen around XXXX XXXX, XXXX. I got a letter from Wells Fargo stating that they were closing my account due to a " business decision. '' No further explanation has been given. At the same time, I am not allowed to withdraw any of the money that I have to check or to another bank until Wells Fargo 's arbitrary date of XXXX XXXX. They are holding almost {$8000.00} in funds from my use, which I need to help pay my bills. They have not been helpful either over the phone or in the branch. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I recently paid on a bad debt charge I had with XXXX XXXX. I made an online payment of {$200.00} with Aldous & Assosiates. Later on in the week I went to XXXX and learned I was never suppose to be in collections in the 1st place. It was an error on there part. I called Aldous and Associates explaining to them what happened and they stated I needed a letter from XXXX saying I did not owe anything so I can get a refund of the {$200.00}. I paid. I have done everything Aldous and Associates has asked me to do. It 's going on 3 weeks and I have not received my refund. I have called several times and every time I call I am getting a different date on when my money will be deposited. I was speaking to a " supervisor '' XXXX XXXX he had yelled at me, hung up on me, been rude and disrespectful and will not let me speak to anyone else in that office. All I am trying to do is get a refund of my money and this office along with its staff is making if nearly impossible. I have asked to speak to his supervisor or someone who runs that office and I either get hung up on, put on hold for over 20 min or he says he is the one in charge. This is crazy and completely ridiculous. What company can do this to people!! This company needs to be stopped! They can not treat people this way!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I opened a home equity line of credit with XXXX XXXX XXXX Bank in XXXX with a set interest rate and automatic renewal provision in 10 year cycles - this account paid properly every month since origination. In early 2013 XXXX XXXX XXXX notified me that the equity line would be converted to a " installment type loan '' and modified to a set payoff schedule at XXXX the current payback schedule. I disagreed with the terms XXXX XXXX XXXX offered and continued to make regular on time monthly payment. 

In XXXX 2013 XXXX XXXX XXXX returned my payment with a letter stating that the bank would not accept further payments on this loan based on non-modified terms. In XXXX 2013 I attempted to make my payment at a XXXX XXXX XXXX Branch - which was refused. In XXXX XXXX XXXX XXXX filed a " pre-foreclosure '' and notified me of the pending legal proceedings. During this period ( XXXX through early XXXX ) the only contact available to us through XXXX XXXX XXXX was their " mortgage default department '' which was anything but helpful and kept suggesting/demanding I use a government HARP program for loan modification which I had no interest in using. 

Later in XXXX 2013 XXXX XXXX XXXX and I came to an agreement for a payback schedule at a set interest cost and set payments - all payments have been made on time before and since. This loan was never in default, although XXXX XXXX XXXX refused payments for several months. 

Experian continues to list this account as a foreclosure with over a year of missed payments - XXXX correctly list this loan with no " default-foreclosure-late payments ''. I have disputed the reporting several times through the standard Experian dispute process and Experian refuses to correct their reporting as so called " verified '' nor will they accept an appeal of their incorrect account listing information. 

My Experian XXXX scores are XXXX points below other credit agencies scoring due to this incorrect listing and are shown as recently late ( 2013 ). All XXXX of my reports ( XXXX Experian ) correctly show the new loan ( XXXX XXXX XXXX modified to set terms ) as paid - never late. 

Company response: Company chooses not to provide a public response
Consumer complaint: I only have XXXX credit card with XXXX. XXXX cards with XXXX different balances are showing up. one needs to be removed 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This XXXX will not receive payment for {$51.00}. I want to be removed from collections or I may contact the media to advise people what kind of office this is. I put down my eyeglass case next to my {$69.00} Bluetooth. When I went to leave just my eyeglass case was there. Not my Bluetooth. When I asked them about my headset they said they never saw it. I am XXXX or I would take them to court. When I asked all the staff there about my Bluetooth, but nobody there saw it. I want to be removed from collections 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I co-signed for an extended family member to get an apartment for he and his XXXX small children. He did not pay the rent. He was evicted. The debt to the apartment complex was put in to collections with IQ Data Collection and I have been harassed by them for two years. Yesterday I contacted them to get payoff information and I was told they would settle for {$.00} on a dollar but would not remove it from my credit report, unless I paid them {$.00} on a dollar. That does not seem legal to me. That is blackmail or extortion. Help, I want to settle this debt and get my good credit back. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I continue to receive calls from Chase Receivables concerning a debt owed by someone that I do not know and who does not reside at my address or phone number. The debt call are for someone named XXXX XXXX. These calls have been occurring for over 3 years. 

I have repeatedly requested that my phone number be removed from XXXX XXXX 's database. but they continue to call seveal times every day and harass me about this unknown person. 

I want these call stopped. 

Chase Receivables mailing address is XXXX XXXX XXXX, CA XXXX XXXX XXXX The harassing phone calls originate from XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian has exceeded the time allowed by law to correct or remove a disputed item from the credit report. According to FCRA 611 ( a ) ( 1 ) ( A ). 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX XXXX, I financed a vehicle with Ally Financial and later refinanced the same vehicle with another lender.The lender contacted Ally and XXXX parties agreed to the terms of the refinance agreement. On or near XXXX XXXX, XXXX Ally Financial reported my car loan as 30 days delinquent. It should also be noted that I am included in the class action lawsuit brought by the XXXX regarding Ally 's illegal lending practices initiated against minority borrowers. 

Company response: Company chooses not to provide a public response
Consumer complaint: I settled the balance with this company ( which I might add took hours ) They requested that I put the money owed to them on visa pre-paid cards which I did. The manager emailed me a letter showing that the balance was paid and I didnt owe anything. Now, I look at my credit report and it shows that I owe them less than the original balance which I expected to see a number there since we settled but thought it would say " Closed '' but it doesnt it is still open. So, I called. They said I would have to talk to XXXX since he is the one that took my payment. XXXX came on the line. I explained the situation and he mumbled. He didnt have an explanation. He kept dancing around my question and interupting me. He contridicted everything I said. He was huffing and puffing. Sighing constantly. This frustrated me a great deal especially since there was already a language barrier on his end. I could hear him whispering and then people laughing in the background and then I became upset. I told him that I didnt understand and I didnt want to call him back if I had more questions because my first question still hasnt been answered. He said " OH MY GOODNESS '' and he hung up on me!!!!! Im not sure what to do at this point. Im positive I can get my question answered from someone else there. But when I call they say I have to talk to him. I refuse to talk to someone who treats people this way. He is supposed to be a professional!!!! Hanging up on me?! This is ridiculous!! I am also filing a complaint with the XXXX. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I received a phone call at my place of employment from macys credit card company that i need to make a payment and i was very upset with XXXX thing, first i do not have a macy 's credit card second they had called to my place of employment. i told the lady they have the wrong person and told her that do not call me back ever again. But she got a little rude which made me to hang the phone on her. This happened on XXXX 2015 and since then I had filed a police report I had send letters to macys stating this account is not mine also disputed the account with credit bureaus. Macys has not done anything to satisfy my request as a consumer whos identity was stolen they keep sending me the same letter saying that they have received my recent correspondent regarding a macys account and my letter has been forwarded to their fraud investigation and some one from fraud department of macys will contact me regarding my concerns. as of this date I have not received any phone calls regards to this urgent matter. only thing I have got from macys is bunch of promises with the same generic letter but with a different date on it. please help me to resolve this matter. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We filed Chapter XXXX bankruptcy, discharged on XXXX/XXXX/2006. One of the accounts that was discharged was for a mortgage with XXXX XXXX XXXX ; we recently received communication from Ditech that they had purchased the loan and that we owed them for the house. We disputed this, stating that it had been discharged via bankruptcy, they sent us a copy of the original loan with our signatures on the promissory note and stated that this was proof we owed the loan. The account was discharged, that was confirmed by both XXXX and another agent that had purchased the account, XXXX XXXX XXXX. 

Company response: Company believes complaint is the result of an isolated error