AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: GMAC ALLY BANK HAS FRAUDULENT RUN A APPLICATION FOR A VECHILE LOAN UNDER MY NAME AND SOCIAL, CAUSING A MIXED FILE UNDER THE NAME OF XXXX XXXX XXXX. I NEVER APPLIED FOR SUCH FINANCING AND WANT THIS REMOVED ASAP. 

Company response: Company chooses not to provide a public response
Consumer complaint: , XXXX XXXX, Il, XXXX, entity number is XXXX, and the address in Delaware is XXXX, according to the CA Secretary of States XXXX XXXX. So, this company is a customer of the prepaid city payroll. I am not speaking about other Sears, but only what happened to me, that since I was added to their account, and the management kept it a secret, they had also all the powers to control it, spend it and so on. That 's explaine, why I could not get any statements from them, and was fed tomorrows. I have every check that was deposited on the statements and every XXXX says that the money were deposited into checking account, ending XXXX ( I am not going to put it here, but I will send to you ). And, of course, it was not my account, it was their account. These people, I worked for, were living of me. Shame! I want justice, and I want all the refund. Not only, how emotionally had they broke me, not even including. Thank you. Please, I will wait for your response. MY phone number XXXX XXXX XXXX. Thank you, again, with all my respects, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was checking my credit for the XXXX time in several years and I have a collection on a car loan from XXXX XXXX as the original loan and now turned over to XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX. Phone is XXXX ) ) ) ) ) I have never applied for a car loan from XXXX XXXX and ca n't get any info on this company my credit report says disputed but is still unresolved and it 's been like 3 months and still on my report. I would like some help resolving this issue please I am always grateful when someone offers to help sincerely XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a notice to appear at small claims court in XXXX, MA on XXXX/XXXX/XXXX for a XXXX XXXX.. The case was with XXXX XXXX XXXX for an old credit card bill I owed to XXXX XXXX XXXX in the amount of XXXX + ore-judgment interest of {$33.00} and court fees of {$50.00}, {$720.00} total. 
I got behind on some several credit card bills when I went through XXXX treatment in XXXX. I am a single, divorced woman, XXXX years old. I am employed as a XXXX and was out of work for XXXX months during my treatment and went back to work part-time for five months before being able to return full-time in XXXX. 
The lawyer for the case was XXXX XXXX of XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX. I fought to get the amount lowered because of excessive interest I ha been charged, and the Agreement for Judgment was that I would pay {$20.00} a month on the amount of {$460.00}. I made these {$20.00} payments each month until last XXXX, when I forgot to mail the payment on time, I worked on XXXX XXXX and XXXX to make a little overtime money and save the holidays for snow days, ( which came in handy ). The check I filled out to mail was dated XXXX XXXX ; however I decided to send {$40.00} instead and mailed the check on XXXX XXXX. Because I put " XXXX '' as the year, the check was returned to me. I promptly send XXXX for {$60.00}, which covered XXXX, XXXX, and XXXX payments. I have my bank statements to prove that XXXX received the XXXX check. However, On XXXX XXXX I received the XXXX of a number of harassing letters telling me I had failed to comply with the order and to contact their office. I made my payment of {$20.00} in XXXX and was aware that I had a " Payment Review '' coming up on XXXX/XXXX/XXXX. I was angry that XXXX was sending me these letters and would probably force me to pay the whole amount or even add penalties, so I sent them a letter on XXXX XXXX, XXXX and enclosed a check for the balance I still owed on the original {$460.00}, which was {$160.00} according to my records. In the letter I explained how I got slightly behind on payments at the end of XXXX. I did not go to the court review because my XXXX, XXXX, went to the XXXX for {$15.00}. '' I received a warrant from the XXXX County Sheriff dated XXXX/XXXX/XXXX to appear at XXXX District court on Wednesday, XXXX XXXX at XXXX. I am assuming that this warrant was sent from XXXX. I would like it if someone would accompany me there, but if this is not possible I will inform you about what happens at court on that date. Thank-you. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I HAVE NO CLUE WHO THIS BANK IS BUT REPORTED AS XXXX ON A FRAUD AUTO LOAN I WANT THE INQURIY REMOVED ALONG WITH STATEMENT TO XXXX XXXX AND XXXX TO SUPRESS ANY INQUIRY THEY HAVE MIXED MY FILE UNDER FALSE NAMES 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested a credit report online from Experan. They show a false current address. I 'm not sure how to dispute or fix this. 

thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: Bill paid by insurance please remove this from my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was given a promotional offer for XXXX 2014 that I would receive 5 % cashback on all Theme Park purchases. I was traveling to XXXX XXXX so I used this card for all of my purchases inside of the Theme Parks. After I received my statement from the card I noticed that none of the purchases were given 5 % cashback, even though they were inside of the most well known Theme Park in the world. 

This apparently was due to the transactional coding that the merchant establishes. I contacted Citi-Cards XXXX times to resolve this but they would not offer any sort of compensation for this clear false advertisement. 

Company response: Company chooses not to provide a public response
Consumer complaint: Focus Receivables Management keeps calling my home phone. I have no delinquent debt to be collected. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: On XXXX, for our XXXX anniversary, I took my wife and our oldest daughter on a tour of XXXX. We stopped for lunch at XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX. It was around XXXX, warm and sunny and we sat outside in their courtyard and ordered XXXX ice teas, XXXX lobster rolls and a small salad for lunch. The old woman/owner gave us our bill. We signed the check which must have been no more than {$45.00}, plus tip. It was a regular paper receipt which I paid with my Bank of America XXXX. I signed the paper bill with a pen and never kept a copy for myself since it was such a small amount. 
A few weeks later, while reviewing my XXXX bill from BofA, I noticed that I had a charge of {$560.00} from this restaurant, and no other charges. I immediately called Bank of America and contested the charge, stating that I never authorized this large amount. 
On XX/XX/XXXX I received a letter from Bank of America stating that the merchant had provided proof of a signed receipt for the amount of {$470.00} plus a tip of {$80.00} for a total of {$560.00}. The signature provided to BofA is a close forgery of my signature, and I did not sign nor authorize such a large bill. BofA considers this matter closed and is holding me fully responsible for paying the full amount of {$560.00}. 
I filed a police report with XXXX Police Department XXXX : XXXX. The restaurant has since closed and it 's been torn down. The owners of this restaurant have been found guilty of previous fraud charges and spent time in jail - according to reports you can easily find on the internet. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am applying for a home loan and closing next Friday. I just found out that a current dispute I have has caused a delay in closing, so I called all three credit bureaus to CANCEL my dispute, and Transunion is the only XXXX giving me a problem. First, I do n't understand why this could n't be done over the phone ( as the other companies had no problem with that ) but that is not the worst part. The worst part is I FAXED my request over on Wednesday, XXXX XXXX. I called on Thursday, XXXX XXXX only to confirm that my fax was received. The woman I spoke with would NOT confirm receipt of my fax. She told me I had to wait five days to call back and get status. After telling her several times " I understand it takes five days to review but I 'm not trying to get status of review, I only want to confirm that my fax was RECEIVED, not that it has been REVIEWED ''. She still insisted that I had to wait five days for my confirmation. I told her XXXX times that this was ridiculous and I wanted to speak to a supervisor. She would only put me on hold and come back to tell me that SHE spoke with the supervisor and confirmed I have to wait five days. This is the most ridiculous thing I 've ever heard. What if I wait five days just to get confirmation that my fax was not received. Then I have to fax it again and wait another five days just to confirm receipt. I really do n't think the lady I spoke with understood the difference between review and receipt and I do n't appreciate her ignoring my XXXX requests to speak with a supervisor. It was the worst customer service I have ever experienced. 

Company response: Company chooses not to provide a public response
Consumer complaint: Am receiving multiple phone calls from a collection agency looking for someone with my last name, but not my first, for a debt that is not mine. The person they are looking for has never been listed in my address, nor phone number. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to the XXXX XXXX in XX/XX/2012, and there 's a {$920.00} balance that I needed to pay, but I did n't know I have that payment because I moved to a new apartment. So, I did n't receive the payment from the hospital. During these past XXXX years, nobody contacted me about this, and I did n't receive any payment about this either. I received a phone call from XXXX XXXX on XXXX XXXX, they said XXXX XXXX forwarded this payment to them, so I have to pay it. I paid it immediately after I understood everything, and I paid it through the phone using my credit card. Also, they sent me a document receipt after several days. Recently, I 'm trying to apply a credit card from XXXX, and they reject me because they declare that I have delinquency history, then I checked my credit report. I saw BYL collection services as a negative account on my credit report. I called BYL collect to ask them to remove this negative account because I 've already paid it, and they said they no longer have this payment because they 've transferred this to another collect company, which is XXXX XXXX. They told me that I should call Experian to ask them to dispute my record. However, XXXX agency told me they can not mark this payment as paid because they have to get the prove from BYL Collect. After they get the prove, they will mark it as paid, so XXXX agency suggested me to call BYL to ask them to send a prove to them to prove that I paid. Then, I called BYL collect again, they told me since they no longer have this payment, and I paid to XXXX XXXX, so they can not do anything about this. ThenI called XXXX again to ask them if I can call XXXX XXXX, they said it 's not working because the negative account on my report is BYL collect. I 'm frustrated now because I paid my payment, but the bad record still hurting my credit report. BYL said they could n't help me, but the negative account on my credit report is still BYL collect. I do n't know what should I do now. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: The credit bureaus Experian, XXXX, and XXXX are missing some or all of my XXXX credit card accounts and payment histories. They are also missing car loan and mortgage histories. They 've claimed these accounts are not reporting to them or that they are up to date which they are not. It 's not possible that these 4 XXXX, XXXX, and XXXX accounts do n't report to some or all of the XXXX credit bureaus. In fact I 've confirmed that most report to all XXXX. Apparently when credit history is missing they do n't consider that an error like I do. This has damaged my credit. Where my credit should be excellent, according to them it does n't exist or I have no payment history. I will try to include these supporting documents : XXXX Credit cards and ID 's pictures sent to all XXXX bureaus, XXXX XXXX XXXX property whose mortgage is paid in full but does n't appear on any credit report, XXXX. Utility bill showing current address, XXXX. ExperianXXXX, and XXXX Credit Reports, Dispute Forms and Dispute Results, XXXX. XXXX previous letters from credit card companies stating that they are reporting to all XXXX bureaus which I sent to them and they ignored. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have recieved calls saying I owe this debt which has suspended my drivers license but have never received anything Stating this information Whatsoever. This company wo n't even allow me to make payments to them unless I put a XXXX down deposit. I just do n't see how they can get away with holding my life hostage. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: According to the FHA guidelines, when an FHA Loan is acquired prior to XX/XX/2013, the Mortgage Insurance ( MI ) should be able to be removed if you meet the criteria of 78 % loan to value ( LTV ). I have 90 % LTV but I 'm being told I can not remove the MI until I have had my loan for 5 years. XXXX XXXX does not make the policies for the FHA Mortgage Insurance and are not following the guidelines stated by FHA. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX loans that I borrowed from SallieMae to pay for my education at XXXX University. I signed up for a ten year plan with a fixed {$25.00} per loan monthly plan to decrease my interest for each loan ( a total of {$75.00} a month ). Unfortunately, after I had graduated I have no luck with a full-time job. My finances that I pay each month are medical ( XXXX supplies and visits ), car insurance, phone, food, and soon to be rent. I can barely afford these finances as it is and when I called Salliemae to see what the total for each month would be after my grace period, they had told me about {$700.00} ( not including the government loans ). I had tried XXXX times calling them seeing if I can lower the payment per month, and they provided no helpful answers. They told me the options I have are forbearance which would make my account a delinquent, and only XXXX of my XXXX loans qualified ( the smallest XXXX of course ) for their " graduate payment plan '' which only would bring it down about XXXX dollars. I told them that I am willing to pay a much higher interest for a lower monthly payment which they told me they do n't do. They had mentioned that I could use auto-debit which would decrease my interest by a " whopping '' .25 %. I told them each time I called -they each said the same thing- that I am not interested in lowering the interest but the monthly payments because I can not afford that payment each month. Each time I call I feel they ignore my plea for help on lowering it, even if it means I give them a lot more money in the long run. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had originally contacted XXXX XXXX, which I had agreed to pay a loan at 135 % interest for XXXX years until it was paid back. They sold my loan to CashCall, and I still paid religiously from my checking account for over two years. I was paying nearly {$300.00} a month when I only borrowed {$2400.00} originally. I finally got sick of them taking money from my account and told my bank that they were no longer allowed to continue to receive payments, because the last XXXX times they caused my account to overdraw. Now they have been calling me daily from several different numbers almost every hour trying to get me to pay them. They even called my job and I spoke to one of their representatives and told them that I was no longer going to pay them because I had paid them every month over the last XXXX years and XXXX months, and feel that I have more than covered the amount that I originally borrowed and the interest. I had to tell them to never call my job again. According to my math I have paid them over $ 8k and honestly feel that I do not owe them anything more. I have even been receiving calls from a Private Number repeatedly that I refuse to answer because I think it may be them and I really have nothing more to say to them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I recently applied for a mortgage with Mclean Mortgage Corporation. Although still married, I was fully qualified for the loan on my own and provided them with all information required for settlement. I was scheduled to close on the property on XXXX XXXX and on XXXX XXXX I was told by the mortgage company that unless I provided the underwriter with a detailed statement outlining the status of my marital situation and a signed statement saying that neither of us would seek child support or alimony in the event of a formal separation agreement or XXXX they would not approve my loan. My husband only XXXX month secured his own mortgage through another mortgage company ( same salary, same assets and same access to joint accounts ) was not required to provide the level of documentation I was nor was he required to provide a similar statement regarding alimony or child support. I did not feel their ask was fair or relevant to my qualifying the loan. Needless to say, I had to sign a letter, along with my husband, stating what they asked in order to close on the property on XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had an vacant land mortgage loan with XXXX Bank which opened XX/XX/XXXX. 
I was never late until they bankrupt in XX/XX/XXXX and than during 2 year extensionuntil XX/XX/XXXX. Loan payments was {$220.00} and have told my mortgage sold and becamemature. All due about {$37000.00}. I could n't pay off. I have told " you will hear fromfrom us. Your account has been closed. We will returning your payments ". 
XX/XX/XXXX I have served foreclosure papers. They never took any action but just XXXX court filings. Around that time they start informing credit bureaus as a lalate with ( F ). They chanced bank name to XXXX and deleted all good paying paid history. So my score dropped from XXXX-XXXX to XXXX-XXXX with Open ( F ) andlate payments. Now account closed but showing XXXX late payments. XXXX pointsdown to XXXX-XXXX. I am disputing with credit bureaus to delete late paymentsbecause if I ca n't make my payments to my closed account " how could belate if account do n't except payments? Balance could go up but you can'tpunish me with saying late. XXXX and XXXX did not delete butXXXX corrected. Still playing with their rules for delete. Maybe oneday I can scoreXXXX points more than bankrupt person. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a Bank of America Customer for almost XXXX 

My deposit accounts, loans, and mortgage are with Bank of America. I have never been late on a mortgage or loan payment. I have never gone over my limit on my deposit accounts. I have been a very good customer for the bank since XX/XX/XXXX. 

In XX/XX/XXXX, Bank of America sent me a " pre-approved '' offer to refinance my mortgage, highlighting the savings I would realize. 

I called in to the telephone number on the pre-approved offer and spoke with XXXX XXXX, NMLS # XXXX about the offer. Thereafter, I completed my refinance application, submitted supporting documentation, had an appraisal completed on my home, and paid processing fees. 

My Loan Officer, XXXX XXXX, NMLS # XXXX was wonderful on the XXXX calls when I was applying and offering a deal. Then he vanished. Weeks went by without him answering my calls and requests for information. The few times I spoke with him, all I got was, " everything is fine, we 're going to close very soon ''. I got pawned off to his co-workers on several occasions, and although they were pleasant, all they would tell me was that it was n't THEIR file, and XXXX was unavailable. XXXX voicemail has stated that it is " XX/XX/XXXX '' for over two weeks. 

I called XXXX manager, XXXX XXXX, at least XXXX and she never once answered her phone. Ever. I left XXXX XXXX messages begging for a call back and for help. She never even returned the call. When I attempted to call her voicemail most recently, a very chipper voice informed me that she ( XXXX ) was on vacation for the next week. 

Since I started my application, my quoted price has increased because my appraisal came in lower than expected and I needed Mortgage Insurance ( conveniently provided by Bank of America ). I agreed. Today, I was informed that my loan to debt ratio was off by 1.27 percent, and that we might need to restructure, but again, I would need to speak XXXX XXXX to work this out. 

The worst part is that Bank of America also decided to sell my mortgage in the middle of the refinance process. Again, no answer when I called begging for information and support. 

This is outrageous. You do n't treat your customers like this ; in any industry. I just want help. That 's all. 

Please help me. 

Company response: Company chooses not to provide a public response
Consumer complaint: us bank decided to cancel the " last night free award '' benifit from this credit card account, which is the main selling point of this card, as well as the main reason that i am paying the annual fee for. A huge change of benifit with a such short time notice seems a marketing fraud to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Company continues to negatively I pact credit and violate both FDRA law and FCRA law while refusing to remove debt having XXXX to do with me or agree to validate supposed debt 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested a copy of my credit report prior to applying for credit and was told that they could not release it since there were multiple Social Security numbers showing on my report. They referred me to Experian, but all I could get was the automated response. Since my report could not be released I could not get an automated answer and they do not have customer service persons with whom I could discuss the problem. I have been rejected for credit XXXX because of this issue. Since I ca n't get a copy of my credit report, I do n't know how the wrong Social Security information got on my report. I ca n't file a fraud claim without being able to identify the incorrect information and I do n't know whether or not my file is being used for purposes of fraud and I ca n't correct anything on the report since I ca n't get a copy. 

Company response: Company chooses not to provide a public response
Consumer complaint: The students loans I owed for college are paid off in full. My credit report states that I have different student loans, but all were paid. XXXX University in XXXX confirmed they are all paid. 

Company response: Company chooses not to provide a public response
Consumer complaint: Creditor never made contact, or attempted to give billing information so I could pay this debt. I never got a bill, was never told the account would go to collections, and the collection agency never provided information pretaining to the debt. 

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