AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: this is what happened after the first complaint settled BOAI finally got into a modified loan, but I dont know how they came up with the number not including the escrow. On XXXX I fell on the job and was hurt. I have injuries to my XXXX. I knew right after I went to the urgent care I 'd need a lawyer. My company XXXX is not paying me right, they are suppose to pay me 35 hours which I have never had at my hourly wage. ( 66 % ) after getting XXXX payments, they lowered it XXXX more. The day after I had this happen I called XXXX XXXX and told her there is no way I can pay what they told me I was going to have to pay ( house payment ) now it is XXXX plus shorter. i was transferred to another loan person, I want to say her name is XXXX. On XXXX different occasions she told me she mailed out a packet never got until last wednesday. She told me they do XXXX modifications in the first 5 years. I explained I dont get enough money to cover house, car, food, utilities, some bills I have been paying on. My food stamp amt is XXXX waiting for them to fix it. My worst fear is not having a job to go back to, XXXX doctor said with the damage I 'd probably not be able to lift XXXX-XXXX lbs with right hand. I have been applying for other jobs I can do. Then if I get a job do I wait to have surgery later, at this time none of the damages to my body has received any medical care. The papers sent to me I am neither the owner or co owner, I sent in my information as best as I could. I will be mailing this on monday. The amusing or not so amusing issue is my house will be paid off in XXXX. Im not going anywhere, I have to stay in my home 10 years for getting the NC foreclosure loan. My house is not in the best shape, it is not worth the current loan amount. Until my health issues are completed or I get a new job I am between a rock and a hard place. ( in a home or on the street ) Never have I had a financial institution knowing treat their customers this way. Its like they go out of their way to create more stress than we already have. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a previous complaint against Barclay regarding an offer I appliedfor and was accepted by them on XXXX XXXX, 2014, for a credit card0 % interest for 14 months. I received no email from them as I was told Iwould verifying the terms, nor did I receive anything through the postalservice. Upon receiving my XXXX statement, there was no interest charged. 
on that statement. On the XXXX statement, there was. I looked and sawthat I was being charged a rate of 24.99 % interest. I would NEVER haveapplied for any card with that kind of interest. I did n't need the card, but Ithought 0 % interest for 14 months was a good deal. You sent me anemail with a link indicating I could see the response from Barclay. Theonly thing it shows is that it is " processing ''. There is no other responsefrom them. I received a phone call from a woman, whose name I did notmanage to write down, telling me she was going to look into the matterand get back with me. She called me a few days latter, assuring me that, indeed, this is the rate I would be assigned and that this offer was notmade to me by Barclay, that it had to have come through XXXX XXXX. 
I figure she obviously knew that offer was out there, or she would n't haveknown it came through XXXX XXXX. Your report says it is " processing '', while her indication is that Barclay has finalized their review of the matterbecause she told me they would not be able to put the 0 % interest on theaccount. Again, I was misled when I applied for this card. I do n't knowwho made the offer, but it certainly appeared to be made by Barclay. Icompared it with XXXX XXXX XXXX cards, a XXXX card, and a XXXX. I did n't bother to compare it with a XXXX XXXX XXXX card, as I don'tlike XXXX XXXX XXXX nor do I trust them. I no longer trust Barclay, either. 
All of the cards I compared had either a 0 % interest in some form, no feeor no balance transfer. I chose Barclay because of the 0 % interest for 14months. Again, I have the documents to prove my assertions. I amunable to save them to my computer hard drive files, despite manyattempts. No doubt, Barclay has a good reason for that. I can provideprinted out copies, however. 

Company response: Company chooses not to provide a public response
Consumer complaint: We are struggling with a moving company that has several XXXX names who stole all of our belongings and ransomed them back to us after making us sign many documents under threat that they would send our things to auction. We paid an initial portion via a Citi credit card and then the moving company XXXX ) failed to deliver our things on time, XXXX ) failed to deliver all of our belongings, XXXX ) delivered a substantial number of items which were broken beyond use. We called the credit card company to inform them of the fraud and of our dissatisfaction with the goods and services provided by XXXX XXXX XXXX, XXXX in NJ and the representative of Citi Bank told me that they would do an investigation and that they would file things as " over payment '' to ensure that we would have a positive experience. This was our XXXX time contesting any charges and we have followed the advice of the bank 's representatives along the way, but now they are saying that we are fully responsible for the fraudulent charges despite the moving company not performing the job as promised. Now we are getting XXXX on XXXX sides of this. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company has called me XXXX times about a " debt '' that I owe, but will not tell me what this debt is from. I do not know of any outstanding debts that I have, and nor will they tell me what this debt is supposedly from. Were very threatening on the phone that they would continue to come after me. I asked them for verification that they were a true company and not a scam, because I do not give out financial information over the phone, and they would not give me a website or any other way to verify that they were real. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We have been with XXXX for over a year now of which we bundled our services when we signed up. I have been on auto pay since doing so. I got a notice from Central Credit Services stating I am in collections for {$170.00} with interest accruing. I have made several attempts to contact XXXX XXXX, some could not locate this account, XXXX in Billing said they never linked it to our account and do n't worry about it. I have asked them for a copy of this bill which they will not provide. I have copies of ALL my statements around the time they said the services were due and nothing shows unpaid. If this makes my credit report I will be furious. Today I called the credit company to get a fax number to send them the statements I have and the social does n't match mine. I am wondering if they are making up bills and sending them to collections to get more money in hopes people like me do n't inquire. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted the loan servicer of my {$680.00} XXXX loan to inquire about the option to rehabilitate my loan. i was advised I do not qualify for loan rehabilitation due to the dollar amount of the loan.. I then inquired about setting up a payment arrangement and was advised I do not qualify for a payment arrangement due to the dollar amount of the loan. I then confirmed with the rep that my only option was to pay the balance in full she responded that no that is not what she said my options were to pay in full or make payments online as I wish but that it would not be considered a payment arrangement. 

Company response: Company chooses not to provide a public response
Consumer complaint: U.S. Bank, NA offers a product called the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The most valuable benefit of the card is the " Bonus Award Night. '' The Bonus Award Night is a free night on multi-night award stays. When I applied for the card, the marketing materials stated that the benefit is conferred upon the cardholder in exchange for the {$75.00} annual fee. I paid the annual fee on XXXX XXXX, 2015. On my very next statement, I was informed that the Bonus Award Night is no longer a benefit. I think that it is dishonest to cancel the most valuable benefit directly after accepting payment for the annual fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: HAVE SEARS/CITI MASTERCARD. JUST SPENT AN HOUR + TRYING TO ACCESS CARD TO MAKE PAYMENT AFTER EMAIL OF AMOUNT DUE. ENTERED AND RE-ENTERED ALL INFO ASKED BUT ACCESS NOT ALLOWED AS ACOUNT NOT RECOGNIZED. THEN BY PHONE PAID ACCOUNT AND WAS ASSISTED IN TRYING TO ACCESS ACCOUNT. SPENT ANOTHER HOUR DOING THAT AND TOLD TO TRY AGAIN IN 2 HOURS OR SO. I LIKE SEARS BUT FIND IMPOSSIBLE TO USE INTERNET TO DO BUSINESS WITH SEARS VIA MC SEARS/CITI CREDIT CARD. AT AGE XXXX, TIME IS MOST PRECIOUS ASSET. THANKS FOR YOUR ASSISTANCE. 

Company response: Company chooses not to provide a public response
Consumer complaint: Re-XXXX of Central Credit Services ( XXXX ) XXXX keeps My Family very uncomforted. He calls our home phone at very odd hours and weekends. We have tried to stop him ourselves but he is out of control by us. He tells my Associates that I owe him $ 11,000.00.I do not know him and have not in any form encountered him in any Business. 
Please help my family by putting to check. 
XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Collection company tried to collect 8 years old debt that I do know I made payments from XX/XX/XXXX to XX/XX/XXXX and since then I never recieved bill or late notice for several years. 

Also I ran credit report and the debt collection is not in credit report which I was under impression it was paid for. 

There was no communication from Debt collector or XXXX XXXX since XX/XX/XXXX until todayI think statue of limitation has passed because it is 8 year old debt and should have been written off as bad debt since I heard nothing for 8 years. Why now? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: What happened to me is almost verbatim what is described in XXXX v. XXXX XXXX XXXX filed in Florida XXXX District Court. I switched from a reliable internet provider because XXXX was offering a higher speed ( XXXX ) for less money. What they did n't tell me was that the outdated lines in my neighborhood could n't support the speed that they had promised. For six months I struggled by with speeds between XXXX and XXXX, usually much closer to the XXXX which was completely unusable. I called XXXX 's tech support line numerous times with no relief. During that time, XXXX was being auto-paid directly from my bank account in full and on time each month. After six months, I had to cancel and switch back to a reliable provider. After termination, XXXX continued to bill me for another month before I was able to terminate the auto-pay. They then sent me a {$200.00} termination bill which I refused to pay since my termination was only due to XXXX 's inability to provide the service. I have tried to resolve this issue directly with XXXX to no avail. Their stance is that they provided me service at a reduced price for six months and are entitled to a termination fee. What I have pointed out and they seem unwilling to consider is that the " service '' that they provided during the six months was significantly reduced over what was promised. They charged me an extra month for which they were providing no service. And, the account was only terminated because of their inability to provide the agreed upon service. If anything, I should be sending XXXX a bill. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I 've been a member of Suntrust Bank for over 15 years. I have a checking account with the bank and I recently had several overdraft fees on my account. I reached out to the Customer Service Department about removing some of the fees and they stated since I have been a long time customer and since I have a direct deposit that the fees can be removed. And the conversation that took place XXXX XXXX, 2015 the representative stated that I would see the refund posted back in my account within 24hrs. I never got any refunds. I made another call to the bank and got transfer from XXXX representative to another and that was it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was erroneously charged for items I did not purchase with my Bank of America cash back credit card. I called to file a dispute only to be told by the representative to go to the merchant and ask for a refund. She refused to let me file a credit dispute with them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I would like your asistance to find out why a lender has reinstated an old forclosure case over a debt that shows a XXXX balance on my credit report for both loans. I received a payoff letter for XXXX of the loans.In the past there was a predatory lending case against the lender and I also participated in the XXXX County Chencery Divison Settlement Program. Please help me in resolving this matter. My desire is ensure that no one can reinstate these loans in order to profit from them and to clear my home. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I initiated a money transfer Bank to Bank from my bank ( SunTrust ) to a bank in XXXX XXXX ( XXXX ) in the amount of {$38000.00}. On XXXX XXXX, 2015 I sent another transfer to the same bank in the amount of {$35000.00}. I was informed that the funds would be available by XXXX XXXX, 2015. To date the funds have not been released and the bank refuses to give an explanation as to why it is holding the funds. In view of this I want my money refunded immedately. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mother have used my credit on multiple things that I did not authorize as a child and as an adult. 

Company response: Company chooses not to provide a public response
Consumer complaint: As a result of a dispute over services owed with XXXX ( That is a separate issue ) I received a Debt Validation Notice from XXXX, XXXX and XXXX ( XXXX ) ( Exhibit A ) giving me several options to resolve my account. The original amount XXXX claimed I owed was {$71.00}. I opted for option # XXXX which was a XXXX time payment of {$49.00}. I paid this amount to XXXX on XX/XX/XXXX as evidenced by my bank statement ( see item highlighted on Exhibit B page XXXX of XXXX. This was to have resolved the issue and removed the collection account from my credit report. On XXXX XXXX I received a collection notice from Receivables Performance Management ( RPM ) ( Exhibit C ) stating that I had an amount due of {$21.00} on my XXXX account. This amount is the difference between the {$71.00} XXXX claimed I owed them and the {$49.00} I paid to XXXX back in XXXX. It is my understanding and XXXX that when I paid the {$49.00} that my obligation with XXXX had been settled. I did file a dispute with XXXX, a credit bureau, and they informed me ( Exhibit D ) that XXXX claims this account still to be in collection. Further RPMhas called me and was extremely belligerent when I attempted to explain that the debt had been settled and threatened that I would be subject to further action. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a cc statement on XXXX XXXX. Therefore, I made the {$290.00} payment on XXXX XXXX, which was due XXXX XXXX. Fidelity charged me a {$25.00} late fee because they said I can not make a payment the same day I receive a statement. Therefore, they said, I would have to make another payment of {$280.00}. In essence, I had to make XXXX payments in the same month. They refunded me the XXXX payment, but then, they told me, I would have to resend the same payment back in. Then, in for the XXXX XXXX statement, they increased my minimum payment, even though my balance was lower. 

Company response: Company chooses not to provide a public response
Consumer complaint: On Friday XXXX XXXX I signed on to the online banking to check my account when I noticed that my savings balance and available balance were XXXX different figures. I called the bank immediately and was told there was a court restraint on my account. I asked what this meant and I was given a collection agency to call ( Selip and Stylianoup ) to get assistance. I called the collection agency and was told they had a judgment against me from XX/XX/XXXX in my maiden name. I asked for some kind of information about this so I could check into it. The name is my maiden name and my address was wrong. All I was provided was the account was opened in XX/XX/XXXX and that the court awarded them a judgement in XX/XX/XXXX. This was the first time I heard of this, I even asked if she was sure it was me and not my ex husband. She asked if I had an attorney to speak to which I did n't. They had put a hold on my savings account in the amount of {$1900.00} but the judgment I finally got a copy of shows the amount of {$1700.00} and there is actually due {$1300.00} but I was n't given anything to back up this claim. The agent explained that she will send a form to the bank for me to sign which will allow the bank to send them the money and release the hold on my account. She insisted I do this quickly because the hold will stay on my account and I wo n't be able to use my bank. I was so scared I went ahead and went to the bank to sign this form. I am curious though why the judgment had XXXX amounts on it and they took even more money. I have enclosed all the forms I have. 
Thank you 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Today ( XXXX/XXXX/2015 ) while riding my bike in the neighborhoods around XXXX I lost my entire purse/wallet which all foolishly contained my State I.D, Social security card, Bank credit card and XXXX ( clothing store ) credit card and other important documents I need all the help that is available please feel free to contact me a.s.a.p. Thank You! 

Company response: Company chooses not to provide a public response
Consumer complaint: Penn Credit is attempting collection of an alleged debt on behalf of XXXX XXXX who had provided brokered gas utility service to us when we lived in Illinois. We have provided documentation from XXXX XXXX of Illinois to both XXXX and Penn Credit proving XXXX has been paid in full by XXXX on our behalf, yet collection efforts continue. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Attempted to close Citi/XXXX XXXX account and was unable to. 

Company response: Company chooses not to provide a public response
Consumer complaint: The creditor sued me and obtained a judgement against me and subsequently garnished my wages on debt that had passed the statute of limitations. 

Company response: Company chooses not to provide a public response
Consumer complaint: Lender has contacted over XXXX times within a week, before loan is due. Request Cash U. S. A not to call home several time by mail, email, and fax. Our request was not honored.Abuse their right to collect. XXXX email and XXXX phone calls and the loan is not due until XXXX XXXX, 2015 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I owed this debt which I have paid after they offered a settlement. After the amounts was paid and check cleared I have still been receiving phone calls. I called them twice and spoke to XXXX different people which both have said the account was taken care of and a letter will be sent out to confirm the debt has been settled. I have not received that letter yet, credit reported not yet updated, and the calls still keep coming in. The XXXX people I 've spoken to said the calls should stop, but they have not and they do not know why. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been hit with several exorbitant banking fees at Bank of America making it extremely difficult to keep my account current. When I attempted to speak with an associate at my local branch, she informed me that the branches and customer service agents use a tool that restricts the amount of money they can refund. I was given the number for overdraft assistance and spoke with several representatives who informed me that the bank restricts the number of refunds they are allowed to give. I have been charged with over {$1000.00} in fees - {$35.00} on ever single overdrafted purchase over the course of several months - making it very difficult to keep my account current and get on solid footing financially. I would hope these customer service practices and bank policies that are anti-consumer to the core will be investigated. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Forster & Garbus LLP representing XXXX XXXX XXXX XXXX violated NYS Banking Usury Laws by charging 25 % interest rate on an alleged debt. The authenticity of the contract along with other documentation provided to us is in question, especially when none of them shows the actual Bill of Sale or Assignment of the original lender on the contract " XXXX '' to XXXX XXXX XXXX ( XXXX ), XXXX with the account number XXXX. There is documentation showing the said account highest balance of {$7400.00} and on our credit report there is a judgment of almost {$17000.00}. We have requested an itemized description of all debits, credits, charges, including interest rates and attorney fees but we have not gotten any documentation showing how they arrived at the final sum or any paperwork with itemized deductions or credits, etc. from " XXXX. " More importantly, they have violated the FDCPA laws by1 ) Not ceasing all collecting activities upon request for verification of debt. 
2 ) Has failed to provide an explanation of debt3 ) XXXX XXXX, a customer service representative from Forster & Garbus LLP was extremely rude on the phone when asked to explain why collection activities were still going on and we have sent a validation letter4 ) The service provided or lack thereof, resulted in additional damages to our credit, personal income and health5 ) They never initially informed us that we had a right to dispute the debt6 ) unethical collection practices 

Company response: Company chooses not to provide a public response