AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX I received a call from XXXX from Avid Acceptance attempting to collect payment for my vehicle. At the time the account was 11 days past due, I advised her I was unable to make a payment at that time. She transferred the call to a male name XXXX, he never disclosed his title he simply advised me I had to make a payment with him because they were closing the books, he stated I was a bad paying customer, I advised I would be able to make a payment the following week on XX/XX/XXXX. He refused to set up the arrangement for the day I requested, he then demanded I make XXXX payments on XXXX, I once again advised him I was only able to make XXXX payment on the XXXX he proceeded by saying you have a few hours before we close the books to come up with {$330.00} & disconnected the call. My payments are due on the XXXX of every month I should n't be forced to pay before my due date because the representative wants to meet his quota. I should not be denied to make a payment, be hung up on, & disrespected! I was not allowed the opportunity to give him the reasons for delinquency. XXXX was very disrespectful, very aggressive I felt pressured bullied by this individual. At no point in time did I raise my voice or used any type of profanity to be mistreated the way he did. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have filed multiple disputes with Transunion regarding fraud on my accounts. However, they continue to verify those accounts. The accounts include gap ( acct # XXXX ) XXXX ( acct # XXXX ), XXXX XXXX ( acct # XXXX ). Even with police reports, transunion refuses to remove these above mentioned accounts from my credit report. CFPB complaints have been filed against them independently. Transunion needs to follow laws regarding fraud voluntarily. I want these accounts blocked from my Transunion credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have made my payment in full before the terms ended so that i would not have to be charge excessive fees for carrying out the loan to the full term and when i paid it i almost paid double from what was loaned which was {$600.00} and i ended up paying {$1000.00} 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have just entered repayment for my student loans, both sallie mae and XXXX, paid to XXXX college and XXXX university. I 'm a graduate XXXX and am a life long PA resident. I am making under {$26000.00} annually and am due to give birth in XX/XX/2016. With added medical bills, from pregnancy and a preexisting condition, and day to day bills, I contacted my lenders to work out lower monthly payments of some sort. Sallie Mae informed me their extended repayment program would n't change my payments and they could not help me any further. Now every time I call them they are brash and offended when I ask about any programs they offer besides deferment. XXXX, I have called many many times, filed a complaint on this site before and followed all the paper work trails they have asked me to. I did this in the hope of getting income based repayments, but the last time I called I was actually told they could n't lower my $ XXXX monthly payments a lot and that " because I have n't missed any payments 'they ' have no other options for me at this time. '' As a responsible adult I 'm trying to work with them and even did financial statements for them, showing I have an extra {$10.00} a month and my cosigner has very little extra income as well. 
I am trying to work in their rules but I 'm simply not able to pay and neither is the cosigner, and after my forbearance has ended my only option according to them is to stop paying. 
The fact that my original lender for all my loans, sallie mae, specifically told me that I could get income based repayments after graduation is most annoying part. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been calling this LoanCare company since XXXX XXXX trying to find out when my property tax check would be cut from my escrow and whom they would be sending the check to. There is plenty of money to cover my property taxes, yet no one after XXXX calls can give me an answer where the money is and why it has n't been paid. I have spent numerous hours on hold to get absolutely no where. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had an ongoing issue with Santander since the beginning of our 7 year relationship. However, the most recent being that I finally gave up on them and sold my home. I closed on XXXX. I asked for an " accounting '' of fees I was charged. This proved to be to much for Santander. I was told " oh we found {$400.00} we owe you and they sent me a check for that but that made me even more concerned about charges. I asked for a full accounting and was given the run around for several weeks. Finally someone got back to me and it was to tell me they do n't have to show me their attorney invoices because they are protected under attorney client ... .well if it was for work they supposedly did for my property I would think that would n't fall in that category. Also, why did it take months for someone to say that. They are HORRIBLE at customer service and could not prove all of the " fees '' that were taken from me. I am owed a refund. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: They call from various numbers. When I answer they hang up. Once when I did talk to someone I was told they would be filing a lawsuit against me. So I asked them to send me something in writing and the have yet to do so. But, I keep getting these calls with no one at the other end. 
Here are the numbers : XXXX XXXX XXXX XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This person called stating that I owed more than amount on bill. Stating that it was a past due bill and they tried to collect. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Transunion reinserted XXXX accounts that was not verified nor validated. I contacted XXXX and XXXX Both these accounts where removed : XXXX was removed XXXX, XXXX, XXXX and XXXX I assume bought the XXXX account and TransUnion put that account back on my credit when they took it of on XXXX XXXX, XXXX. I checked my credit and both are back on my credit as of XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX both accounts were put back on my credit. These accounts were not verified nor validated. Transunion did not verify there method of verification meaning who they actually spoke to or the documentation they have to support there verification. E-Oscar is not valid verification. I asked for validation from both collection agencies and got no response with in the 30 days allotted nor after the 30 days. This information need to be deleted asap. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a bank account with US Bank XX/XX/XXXX. When I opened the account they told me that there is a {$36.00} fee for overdraft, unless I sign up for their credit card. I did n't want another credit card so I agreed. XX/XX/XXXX I received a statement saying I have a balance of {$11.00}. Then I received a letter a week later saying my account over drew by XXXX bucks, and that they were also adding on the {$36.00} overdraft fee. Within 30 days of this notice of overdraft I deposited {$210.00} more then enough to cover the $ XXXX I was at. Apparently they also charge a $ XXXX/week fee above and beyond all previous fees. This was never told to me, I never received XXXX letter saying I was being charged $ XXXX/week fee, and That is a gross overcharge on the beginning amount. I called customer service today to question this and I was told that they sent me a postcard or packet in the mail telling me of these fees they were now allowed to charge, but that it was never a document that needed my signature. How can they add such a fee without my agreeing to that? This is completely unfair practice that before I have seen a XXXX statement I can be charged a total of {$130.00} in fees ; {$100.00} of those that I was never told about. I cancelled my account and will never do business with them again, but I was robbed and it 's not fair that a bank can take take take with no notice. The customer service agent I spoke to on the phone is named XXXX, id # : mhtwigg, I spoke with him at about XXXX on XXXX XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a business checking account with Wells Fargo. On or about XXXX XXXX I deposited {$60000.00} in checks from my customers of which {$15000.00} were returned. The bank on XXXX XXXX put a hold on my account and since than they are not telling me when they will release the balance {$45000.00} in funds. I call every day at XXXX XXXX XXXX and all they say we have no update and we do not know when these funds will be released. I am a small business with payroll and expenses to meet. Please help me 

Company response: Company chooses not to provide a public response
Consumer complaint: I returned an item 3 weeks after purchasing due to item not working properly. I did n't receive a credit for it as the item was lost in the process. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I am a customer with Bank of America since XX/XX/XXXX. 

All the following checks are from my credit union account to my Bank of America account. 

precursor : XX/XX/XXXX, I used the mobile app to deposit a check of {$500.00} or so successfully. Later on that month, I attempted to use the same mobile app to deposit a XXXX check in the amount of {$10000.00} to the same account. The mobile app advised me that that there was a limit of {$10000.00} deposited into an account per month. I deposited a XXXX check of {$1000.00} into the account, to pay bills. 

SInce, I had a second account also at Bank of America, I tried to deposit the {$10000.00} check into that account. Due to poor foresight on my part, I only had {$9500.00} remaining in my Credit Union account ( after the {$1000.00} check cleared ). Thus the {$10000.00} check bounced due to in sufficient funds. Ok, my fault, both financial institutions charged me their fees. 

Now in XX/XX/XXXX : I made sure I had sufficient funds in my Credit Union account and wrote myself a check for {$9000.00} and deposited it into Bank of America on XX/XX/XXXX using the mobile app on Android. 

On XX/XX/XXXX, I find that there is a Hold placed on my deposit at BofA and the hold will clear only on XXXX. Huh, are we back in the dark ages? 

On XX/XX/XXXX morning, I go to my credit Union and I find that BofA has not yet presented the check to them to be cashed. On XXXX XXXX evening, I find that the funds have been withdrawn from my credit union account. I verify on XX/XX/XXXX night as well as XXXX morning that the Bank of America has not yet credited my account for the {$9000.00}. I have an online chat with BofA representative and am told that the hold will clear on XX/XX/XXXX. This is harassment by Bank of America, they have the funds and are taking an interest free hold till XX/XX/XXXX, and I do not have access to my own monies. 

Please help. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Paypal holds money even when they are giving information that the seller has received their items back, to make interest off the holds they do. This is illegal 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am behind on my student loan because I can not afford the payments. I contacted the servicer to see if they can offer me any assistance to bring the account current or at least get on a payment plan. They have no options for me. So although I am attempting to pay because I can not pay the past due balance in full there is nothing they can do. This is very frustrating because it seems that all I can do is have the account go to collections. I have been paying on this account for 7 years now and ran into financial difficulties. It seems that more options need to be available to help borrowers pay these loans. 

Company response: Company chooses not to provide a public response
Consumer complaint: Gemini Capital are notorious in trying to collect fraudulent debt. Their attorney refused to compel discovery from the court. They claimed that they served in a house I did not owe and also I was in XXXX at the time of service. This company and their shady lawyers must be confronted and fight back legally. I won the set aside Motion and got my garnished money back. I urge anyone who has a problem with this company, please contact me at XXXXXXXXXXXX and let us get together and hire a lawyer and file a lawsuit. This does not even have an address or phone number you can contact them but you can contact via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX. I wish you all a great luck and fight back if you are correct or debt is old and does not comply with the statue of limitation. I heard this company and their shady lawyers trying to collect debts from 1970 's. Just XXXX their name and you will see the truth. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: After canceling my account with XXXX, I returned a rental modem using a tracking label they provided. After shipping it, I found out many months later I was being charged for it through a collections agency. I disputed the claim, but recently I discovered the debt has been transferred to a different debt collection agency. 

I have contacted the XXXX representatives many times over the phone, which has transferred me continually between departments. Everyone can verify I was a customer and rented a modem, but no one can give me any information about the shipping label they sent me. According to them I did n't return it, but can provide no proof I did not use their shipping label. They refuse to give me this information and insist on requesting information over the phone despite no department providing this and frequently being dropped between transfers. I recently sent out XXXX certified letters disputing the claim to their corporate office and a billing center, but have received no reply. Online chat support has only directed me to tech support number, who could provide this information. After calling the number, the technician said he did not have this information, but could forward me to customer support, which I 've already spoken with several times. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i have previously dispute so many creditors on my credit report .... 

I would love for all of the fraudulent student loan reports to be moved. 

please contact me at XXXXXXXXXXXX to go over each one ... 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am very disappointed with Experian. There are inaccurate items on my report dragging my score down about XXXX points. Please find the attached letter of said inaccuracies. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 've had a FIA XXXX Credit Card since XXXX. I set up the account so my monthly payment would automatically be debited each month from my checking acct. I paid of the balance in XXXX XXXX. In XXXX XXXX they debited my acct. for {$100.00} even though I had a " XXXX '' balance. I called they refunded my {$100.00}. On XXXX they again took {$100.00} from my acct. I called and spoke to XXXX different Customer Service personnel, who stated it would take XXXX6 business days before my money would be credited back to my acct. Because I had no idea they would debit my acct. for {$100.00} I have bills that will be returned for insufficient funds. No one I spoke to today would acknowledge the fact that they made the same error not once, but twice. The last supervisor I spoke to, her name was XXXX would not transfer me to her supervisor, she said she would have her call me within 48 hours. I would have appreciated someone having the courtesy to at least escalate this issue so the money would be placed back in my acct. in a more expeditious manner. They were not willing to assist me in any way and I think someone at FIA owes me the courtesy of replacing my money, since there is no mistake that they had no right to debit my acct. which has had a zero balance since XXXX, XXXX. I would greatly appreciate any assistance in escalating this matter. 
Thanks! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My wife, XXXX ( XXXX ) XXXX XXXX filed her report under case # XXXX # XXXX IN XXXX 2016. The following letter to XXXX, XXXX and Transunion will point out the problems we have incurred in trying to get the credit bureaus to take off XXXX of XXXX XXXX and also XXXX ( all of which were involved in the repossession of our home, which we feel might, infact, be mortgage fraud ). XXXX removed the information ; Transunion removed XXXX of XXXX XXXX as a direct result of you helping us. My wife overlooked that XXXX was involved and apparantly purchased the debt from XXXX etc. I would also like XXXX to remove the same information from our credit. I am attaching a certified letter that we sent to all XXXX XXXX credit reporting agencies which tells our story. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an auto in 2007 from Wells Fargo. They repossessed the car when I I lost my job. They charged it off after I was still paying them. they sold the car for more than what I owe. 
Now they reaged the account and keep adding more to the fee all of these years later. They are reporting false information on my credit. I asked them to send me validation and a copy of the bill of sale showing how much they sold the auto for, but they just ignore me 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Citi Mortgage brought my loan. After approx 2 years they put me into a modification program. All payment where on time. I have receipts. They did not inform me that the payments where only partial payments nor when a year was up that I was no longer in program even after timely payments made. After almost two years they demanded {$14000.00}. Than they said if I sent them XXXX I would be put back into the program. Until I requested a credit report I did not know that every month that I paid in the program they reported a late payment, ruining my credit! Citi Mortgage even lied to The Hope program which I was working with for several months. Seven times I faxed the needed paper work to Citi and everytime they stated it was lost or not recieved even though I have the Fax report stating it was a successful send. We had a severe storm in our area and my insurance company and I made over XXXX dollars on improvements on the residence, which I had to notify Citi of the same. Three months after improvements where made, Hope said they did all they could do and Citi still not confirming they had received paper work after several 3 way calls with myself, Citi and Hope, they foreclosed on my home. After employee from Hope, I stated this was n't fair, this program was not how President Obama wanted carried out..She said, That 's what you get when you vote for Him '' and hung up. That was the last conversation I had till I received a notice that my house will be sold.A company said if I vacate within a certain time I would receive XXXX dollars. I not only did not receive the money but two months later they brought me to court stating I did not vacate. I showed the Judge my new lease and the case was dismissed. The person I was to meet to confirm that I had infact moved out never showed up. 

Company response: Company chooses not to provide a public response
Consumer complaint: Some of the accounts are reporting as " late '' and saying they are fairly new accounts. In reality these are 7 to 10 years old, and should by all rights be closed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Sallie Mae, took a scheduled payment out on the wrong day, I called and let them know. They looked back to the phone call where I scheduled the payment initially. They acknowleged they were in the wrong. Refunded me my payment ( which took over a month to get back as a check in mail ) Then apologized and said they 'd make a " case '' with customer service to bring my account up to date and just move forward with my auto debit payments. 4 Months later I start recieving multiple phone calls a day collecting for the payment they assured would be resolved. 
I told them to look at their contact records and notes on my account. Surely they 'd see that they told me theyd resolve the issue. The costumer service rep agreed that theyd told me prior that theyd attempt to fix the issue but that it wasnt guarantied. I was upset and told them I wasnt going to pay 4 months later for their mistake and that they can continue to auto debit from my account. Now one of my loans shows past due each month because of that payment. Now theyre calling my cosigner ( Grandparents ) every hour on the hour 7 days a week till late in the evening. It 's borderline harassment. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: We wanted a loan mod from Bank Of America. After receiving the loan modification offer we have decided not to accept the loan modification. 
This whole process has been, in my opinion, a big scam and a disgrace to Bank of America. 
I was led to believe that a real solution, specifically a ten year interest rate reduction to 2 % and a rate of 3 % for the remainder of the loan was what I was working for. After 8 months of continuous uploading of documents, constant phone calls, etc, I was offered a 30 year loan at 5 %, thereby costing me an additional $ XXXX over the life of the loan. I do not see how this is supposed to help me. 
In addition, without my authorization, an escrow account was opened for taxes and insurance. I already pay these items myself and at the time of the mortgage initiation we paid Bank Of America a fee to do so. 
An unauthorized tax payment of {$2600.00} was made in XXXX of last year. Because of this erroneous payment my mortgage payment has increased by {$830.00} per month, from {$1600.00} to {$240000.00}. 
This is beyond " a mistake ''. This is fraud and I intend to treat it as such. 
I have multiple personal and business accounts with Bank of America, including more than one mortgage. After this I intend to take all of this business elsewhere as some as possible 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I enrolled in the University XXXX XXXX in 2010. They offered a one week trial and if you cancel within the first week you did not have a charge. I attended online and I canceled the program on Friday of the first week by calling the sales person for the University XXXX XXXX. As such, I do not owe them any money. They have now been reporting this bogus tradeline on my credit report and now my employer is giving me a hard time for this {$290.00} debt. They are wrong, their own records will show that I did cancel and did not go back online after the first week. 

Company response: Company believes it acted appropriately as authorized by contract or law