AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Hello, I have received notice on my XXXX and XXXX credit report stating that I owe {$660.00} to XXXX and this is impossible due I have currently have my cell phone, internet, home line through them for over 10 years. There must be a mix up somewhere. I called XXXX and they have no record of this, They dont want to lose a value customer over a misunderstanding somewhere but not on there end. Please look into this. This is affecting my reports. 

Thanks, XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A phone message was received by several people on my phone contact list stating that I have a complaint filed against me and they should contact " this number '' immediately. I have no idea how they had access to my phone contact list as the people who received the message where never listed on any form or application by me. When I contacted the number the man said " XXXX XXXX ''. When I asked what they do he avoided all questions. Continually stating I am in dire straights and must pay a certain amount immediately to avoid charges of " fraud ''. He has demanded this money immediately and I refused. He then said " I ca n't protest you if you do n't pay. '' I told him if I owe money I will contact the company I owe myself but refuse to send him money. I am so embarrassed that my contacts have received this message. The XXXX XXXX man refused to answer why their company has my private phone number list and why they are contacting people on that list. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America keep charging me over extension fees on returned check that have been returned. I ask them to charge me " XXXX time '' the {$35.00} insufficient funds fee, I will gladly pay that amount for each return check, but not {$35.00} over and over again for XXXX check and then another {$35.00} for some extended fee they keep charging. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company is calling my place of employment and being very rude and threatening. I do not know what it is in regards to but from the first moment they were rude and threatening. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX of 2015 I opened a credit card account with USAA because my Dad is a XXXX XXXX and I thought it would be a could company. My credit is good but a few bumbs but good enough to get loans. I was approved a {$4000.00} limit. A month or so later I opened another card with them that had a better interest rate it was also {$4000.00} limit. Both cards we almost maxed out but I had had many purchases being bought and returned. So it was always changing. I have worked very hard to keep my credit good and keep it get getting better. I made XXXX payment with them and then after I applied for an auto loan with them and was approved. Bought the car and was told that they suspected fraud and declined my loan after already giving me a blank check. XXXX. Who does that. I was approved through the dealer instead with no problem. I called USAA and they said all my cards were closed but would not tell me why. I said permanently? They said yes. They said it was because they were new and that they were almost maxed. I said isnt that the point ti use them? I have not been late with a credit card for over XXXX years. My problem is that they should not approve credit and expect you not to use it. They should not close your cards with out telling you why. They should not be able to affect your credit report when you have never been late or abused any cards in the past XXXX years. I have work very very hard improving my credit. This is not fair when I have not done anything wrong. They can keep their cards I could care less. I am paying them off asap. But I dont think they should XXXX my report with a status of closed when I did nothing to break the contract. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Saturday, XXXX XXXX, at XXXX I deposited XXXX {$20.00} bills into the atm at the US Bank branch in the XXXX of XXXX XXXX, in XXXX XXXX, CA. The machine and the branch are located inside a XXXX, The machine took the bills and then claimed that there was a mistake and the deposit was not made. Instead I received an " attempted deposit '' receipt with the phone number, XXXX to call for assistance. I spoke with XXXX or XXXX people associated with US Bank that weekend, and they assured me that they could n't do anything to retrieve my money, but that the machine is reconciled on Sunday nights and Monday morning, the situation would be handled. 

On Monday, the story changed. Then, I was told that the machine is reconciled on Monday night, and the claim, which can take 10 days to " credit '' my money back to me, could only be filed on Tuesday. The branch manager said she would do me the " favor '' of crediting me the {$200.00} on Monday, which she did. However, I do not think anyone considers it a " favor '' to be given one 's money back. She also threatened that if the machine reconciled without the {$200.00}, I could face overdraft fees when they debited their " favor '' back. 

The bottom line is that I have been lied to and still have no clear idea of when US Bank will concede that their atm was in surplus of my {$200.00} CASH. ( The manager did not return my phone call and left early, perhaps for XXXX activities - I had to call again to get a teller to file my claim ) I also am aware that the atm has a camera that records the transactions. So, any reasonable client friendly institution would be able to SEE the cash being deposited, be able to count the extra money, and be able to deduct that I was indeed truthful in my claim. 
I am complaining about the timeframe involved with this banking institution 's responsibility to return money due to the errors or mistakes of their equipment. We all know they make money overnight, and now they have taken the opportunity to use MY money to do so, without offering me any recompense. Their behavior is nothing short of thievery. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had lost my job several years ago and was unable to make my mortgage payments. I am XXXX years old. We tried to request loan modification but we were denied because I do n't have sufficient income. I only earn social security income. The mediation was denied in XXXX 2014. Foreclosure sale was scheduled for sometime in XXXX 2014 so I needed to do a BK XXXX. The debt was discharged. there was a junior lien with XXXX and also the XXXX. I have continued to receive correspondence from SPS that does not pertain to my particular situation. Since I was not approved for HAMP or HARP I moved out of my condo. I have continued to receive notices and when I call they say the account has been referred to an attorney. in XXXX I sent SPS all the information they needed including fax numbers and addresses for the junior liens because I wanted them to do a Deed in Lieu. SPS never did anything about it. Today i finally spoke with someone at SPS called XXXX XXXX ( XXXX ) who said things could have been handled better and that mistakes have been made with uploading my documents to their system. This delay has caused my deed in lieu to be delayed and so I continue to be harassed by correspondence that does not relate to my situation. the resolution to this account should be deed in lieu or foreclosure but they continue to send me notices that I owe money. this has caused me stress and I have moved out of the condo and just want to have my name off the deed so i can move on. sps had the sheriff knocking at my door so i moved out in XXXX and now they are still harassing me. at XXXX i can not live this way. i want them to do their job and continue with the deed in lieu and stop harrassing me. sps noted that they didn not handle my account correctly and did not upload the documents i sent them correctly which caused them to send me more and more threatening letters. i need this to stop. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX 2015 I sent {$1500.00} along with my regular car payment of {$300.00} for XXXX, 2015 to my car loan company ( Mark One Financial ). Along with the {$1500.00} check, I wrote a letter stating that the {$1500.00} was to go toward my principle. I had also written that in the memo of the check. Today I get a statement stating that my next payment is due XXXX 2015 and my payment only {$31.00}. I called Mark One Financial and spoke with XXXX, who would not give a last name. I asked her why my {$1500.00} had not gone to my principle. She stated that all payments would pay the interest XXXX. I told her it was not a regular payment and that I had sent a letter with that check stating that it was to go toward my principle. She then stated that their system did not work like that. I became upset so she put me through to her manager XXXX XXXX, who has no XXXX name, she stated the same thing. She brought up the contract, so I asked her where in my contract does it state that. She said she did n't know she would have to look at it. She then asked me if I was going to get upset over {$17.00}? Now I 'm furious, no where in my contract does it state that any principle or prepayment would go to pay interest XXXX I then told her that I would be filing a complaint, to which she stated she would be contacting her attorney. I told her good and hung up. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Commonwealth Financial and XXXX XXXX are reporting debt on the same account. The account was paid XXXX 2014 to Commonwealth Financial. I have supporting documentation to support my claim. I have faxed this information to all credit bureaus including XXXX XXXX and each time I am told my information has not been received. I also mailed documentation to XXXX and XXXX via XXXX still with no result. I have done the responsible thing by paying my debt and yet it shows that I still owe on this debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I entered into a settlement agreement with Sears by phone on my credit card account in the amount of {$1300.00} to be paid on or before XXXX/XXXX/2015 to settle my account. I received a written confirmation of our agreement by mail per my request ( attached ). I paid the agreed upon amount {$1300.00} in full by phone on XXXX/XXXX/2015 ( well before the due date ) and was told that I could call and request a zero balance letter after 15 days. 
I received a XXXX statement from Sears showing my XXXX/XXXX/2015 payment by phone, but still charging me the remaining balance on the account and interest charges as if the account was not settled. I called and requested a zero balance letter, but have never received XXXX. Next, I received an XXXX statement from Sears showing yet again that I have a balance, a late fee, and interest charges. I obtained a copy of my credit report from XXXX, and it shows that my Sears account is closed but not settled, and it also shows that Sears is continuing to report negative credit information about me to the bureaus. I have n't received a copy of my XXXX statement yet, but it again shows a balance due, more interest charges, and another late fee. 
Sears is in direct violation of the settlement agreement by, 1. ) Not settling the account and applying my settlement payment to the account as a regular monthly credit card payment, and 2. ) By charging me interest and late fees to my account during a settlement in direct violation of the written agreement. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian has reported several accounts on my report that are not mine also too many inquiries that I did n't authorize, Please help, these the names : Creditors : XXXX XXXX XXXX There 's XXXX accountsAd XXXX XXXX XXXX, XXXX XXXX, Credit Bureau XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX- XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I moved into my current residence XX/XX/XXXX. The prior resident XXXX XXXX XXXX was evicted from the residence due to non payment of rent. She had an installment loan with SET Financial I have had representatives of SET financial show up at my residence numerous times at night XXXX trying to contact XXXX XXXX. Yesterday on XX/XX/XXXX I came home to find a constables business card left on my front door stating a case was filed. After contacting the constable I discovered the claim was not against me but XXXX XXXX for SET Financial. I informed SET Financial today XX/XX/XXXX that if they do not cease all harassment against me trying to find XXXX XXXX that I will take legal action against SET. I do not know XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Ive paid all of my XXXX loans and now im recieving this letter in the mail an it says i owe XXXX more dollars. I went to XXXX and wen i got out and called after recieving my paper work in the mail they said hat they paid back the remaining balance of what was not used to the loan company so i paidn off all the XXXX loans and the XXXX loans that i had witch included them taking my tax return almost XXXX dollars im super irritated with this XXXX so someone needs to do some reaserch and figure out how many debt collection agencies have my loans and why i keep getting more of these places contacting mesayin i owe them thousands of dollars when all together i only owe XXXX dollars period 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Out of no where- started receiving calls at work, and leaving messages. I did answer and told them not to call my work, that I do not receive personal calls, and the man was combative, yelling at me " DO YOU WANT TO GET SUED? '' over and over. I have received threatening voicemails, stating that I am being investigated for fraud. My family has been called and harassed. My brother did not give my address, and the man stated : what type of brother are you, that you do n't know where she lives? " I receive different v.m. with different people calling. On my work v.m. they left a case #. They sent a letter to my former address, and it was forwarded to my new address- and it stated they bought my debt and not they want to collect {$7200.00}!! I do not owe any money to this company. They said the loan was from CashCall. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: XX/XX/XXXX purchased laptop from " XXXX '' on account. I lost my job and XXXX. Who Knew ... When it rains it pours. It was a recession. I did not see it coming. I was unable to pay any bills including my mortgage and utilities. The account went into delinquency and later turned over to webbank to collect. XX/XX/XXXX the account was sold to attorney " Buchan and Hosto '' in XXXX Arkansas. Thats when all hell began. I returned to work and of course after being unemployed for over a year, and working now for less money, I still am in hardship. " Buchan and Hosto '' harrassed and threatened for over a year. They taxed and added on astronamical fees to the actual cost. They finally got a court order to garnish my salary. I forwarded a letter to the judge explaining my financial situation and hardship. I beg for mercy from the court. I explained the numerous medical bills I know have and the need to heal in order to work. My " little '' salary was garnished. For 4 months 30 % of my salary was taken and given to " Buchan & Hosto ''. A month after said amount was satisfied, my salary was AGAIN garnished from " Buchan & Hosto '' for additional accumulated interest fees. 7 years from XX/XX/XXXX, I am sure this account has been written off. " XXXX '' has received a credit from the government in taxes for debts annually. Where is the statue of limitations? Why do we as consumers must be punished over and over and over for the same purchase? We suffer the credit bureau as is. Then the attorneys go on a blood thirsty hunt to take your money. No matter what. If, I had not started to work and depended on the state or government to support me ; the govt would not pay any debts especially for a computer. I feel my medical bills are more important than a credit account. Double standards! The government has limits but the consumer " it 's open game ''. Garnishments from salary should not be a free for all debt collectors. I think the judge, never even read my letter or maybe they all work togeather. This is unfair. The consumer should have more protection. I only thank " XXXX '' I did not lose my home and was not put to the streets. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: there are items on my credit report from XX/XX/XXXX, XXXX, close to XXXX plus years and Experian refuses to validate the debt or information, their response is, - ou have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute. 

** There is also an account from XXXX XXXX and per Experian, they will not reinvestigate the account becuase it was validated in XX/XX/XXXX, over 7 years ago. The exact wording is - This item was updated from our processing of your dispute in XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a debt collection letter for an amount of over {$30000.00}, stating that it was originally for a XXXX credit card. I 've never had a XXXX credit card, nor have I ever had a credit line anywhere near that large. This is completely bogus. The company attempting to collect the debt is 'First National Collection Bureau '. I have read that this company has made numerous fraudulent collection attempts and I want to help to stop them for good. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX offers help in conjunction with the Federal Government to aid low income XXXX people have a phone line in there home account number XXXX was suppose to be just that but there was such a back log in the phone company getting the XXXX paperwork my bill kept being incorrect and then corrected and then billed incorrect again by the time it was all finished I left the state but paying all balance owed once able we agreed they gave me a paid in full letter which is on file at Experian however every month XXXX still reports my account negatively for the sole purpose of punishing a XXXX American citizen whom has paid every dime owed them in Full for sport. It is an atrocity of the worst to continue punishing me years later even when you have been paid. Im sorry I lost my job and became XXXX but it happens and this company offered me help as though they represented the Government then trapped me in a debt forced me to pay it and continue to scoff my life with negative credit information 

Company response: Company chooses not to provide a public response
Consumer complaint: The XXXX credit bureaus ( XXXX, XXXX, and experian ) are improperly reporting my home line of credit under derogatory items. XXXX XXXX XXXX put it down as " collateral depreciation '' and the credit bureaus now put it under derogatory items and it lowers my fico score so I ca n't refinance my other properties. Hence, discriminating against the millions of consumers who had their home values drop, negatively affecting their overall ability to borrower at the best rates. 

Company response: Company chooses not to provide a public response
Consumer complaint: I want to make you aware of the VISA and MC " VAU '' Visa Account Updater and for Master Card, The Automatic Billing Updater or " ABU '' Programs. These are Programs whereby if you report your card lost or stolen, issuers of credit cards automatically issue your new credit card number to merchants that request it when you have a monthly billing or " continuity '' subscription with that merchant. They do this without asking or notifying you. They are in essence giving your number to a third party without your consent. In my situation, a fraudulent billing account was set with an online Merchant named XXXX. I was unable to get any redress from the Merchant as I did not create the account and could not provide them an account name or number to cancel. It was set up fraudulently. I called my card issuer ( BofA ) and they canceled the account and issued a new card. A month later the same charge showed up on the new card. BofA again cancelled the card and issued a new one. Its now 3 months laster, I am on my XXXX card and again the merchant charged my card without any contact from me. Someone is providing them the new card number to continue billing me erroneously. The problem lies in the fact that VISA, MC and all major banks like BofA have this program that provides the merchant the new card number to ensure a smooth transition to KEEP BILLING THE CONSUMER even after they have filed a fraud report. I find it incredible that BofA Fraud department keeps taking my fraud report, changing my card but VISA keeps giving out the new card number to the merchant without my approval. I am stuck in a never ending cycle of fraud, perpetrated by the bank and VISA and my only recourse is to cancel my relationship with the bank. 
This is a Bad financial policy. I urge the CFPB to investigate the financial industry giving out personal financial info without my consent. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX a Giant in the communications world feels the need to continue reporting negatively on my credit report I an Fully XXXX and have paid the creditor in full account XXXX continues to report negatively simply for sport 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX 2014 I refinanced my VA loan with a VA IRRRL with Pacific Union Financial - however instead of my interest rate going down it went up. The lender then discovered they could not insure the loan with VA, so the made me refinance, although they fired me XXXX 2014. They could not refinance me until XXXX, so they held the loan in their portfolio - and made us pay the higher interest for those 8 mos. In XXXX they paid my escrow from the old loan, collected escrow funds on the HUD and I 've been paying monthly escrow. My current escrow balance is over {$10000.00} ( my RE taxes are only {$6500.00} annually ). The escrow balance from the old loan was applied to new loan.. and I can not get Pacific Union to release the extra funds. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Collector calls me at work about once a month and I 've asked to not be contacted there. Is extremely rude, tells me i 'm irresponsible and belittles me on the phone. I 've tried to discretely answer questions while at work, but caller is pushy and not willing to listen to reasons for missed payments. 

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