AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: called me yesterday from a local number when the company is an out of state company told me I ether had to pay in full to day or start my monthly payments this month told them I could not start till a week from Friday and was told id have to pay in full today or pay in payments XXXX times a month with no other option it is to be believed the company is a scam company website looks fake called me from a local number when there out of state in Florida 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I HAVE RECEIVED MULTIPLE PHONE CALLS TO MY CELL FROM # XXXX WITH NO VOICE MAIL BEING LEFT BY THE CALLER. FROM MY SIMPLE ONLINE SEARCH I HAVE FOUND THE COMPANY FBCS ( Federal Bond & Collection Service ) TO BE THE LEADING CULPRIT. I CALLED THE NUMBER BACK AND HEARD A PRERECORDED MESSAGE ABOUT AN ATTEMPT TO COLLECT A DEBT, HOWEVER, MY MOST CURRENT CREDIT REPORT SHOWS NO DELINQUENT ACCOUNTS. THE MESSAGE OFFERS TO ACCEPT AN OVER THE PHONE ACCOUNT PAYMENT OR YOU CAN SPEAK TO A REPRESENTATIVE. I KNOW THAT YOU SHOULD NOT RESPOND TO SO CALLED ROBOCALLERS AS IT MAY MAKE MATTERS WORSE. PLEASE INVESTIGATE THIS HABITUAL HARASSING BEHAVIOR 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: First, the problem was not with XXXX XXXX XXXX, it was the seller ( Altisource ) and the Title Agency ( XXXX XXXX XXXX ). From the beginning I felt it was like a shell gave, every email was from a different person, based in XXXX, and the company name was different. I was scheduled to close on XXXX XXXX, 2015. Due to lack of response from the title company ( which I was forced to use due to the online foreclosure purchase process ) the settlement statement to XXXX for final approval was sent late thus missing the scheduled close date. The Close of Escrow was XXXX/XXXX/15 they did n't get the statement to XXXX till late on the XXXX. Then the loan docs were not received by the notary for my signing till XXXX on the XXXX. In the meantime I had wired my closing funds and XXXX wired the remainder of funds the same day. By the time they actually recorded the deed and closed the transaction it was XXXX/XXXX/15 six days late. Then they did not return my excess closing funds for another five days. Lastly, the costs the Title Company charged were significantly higher than the local companies charge. The inability of the title company cost me, they delayed my ability to move in on time, causing me to stay in a hotel since I had packed my belongings and was out of my apartment and I had to pay interest from the XXXX to the XXXX on the loan on a home that I did not own at the time. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America enticed me to participate in their Trail Loan Modification Program and inflicted financial hardship on me and messed up my credit ratings. 
I have never been late or missed any payments with Bank Of America. Then I get letters from them informing me to participate in their Trail Loan Modification program to lower my monthly mortgage payments. So I enroll. My mortgage payment were reduced for five months from {$2000.00} to {$1700.00}. At the end of five months they informed me they were going to extend my current 30 year mortgage another 15 years in order for me to receive these lower monthly payments. 
I refused to participate in this program. Paying another 15 years of interest to B of A is not in my best financial interest. They immediately inform me I had to pay the difference of my lower monthly payments within 30 days or suffer the consequences. A difference of {$1000.00}. Placing extreme financial hardship on me and my family. But I paid this amount. 
Upon paying this amount and opting out the program I reviewed my credit. A review of my credit disclosed negative information reported to XXXX from B of A. Plus, XXXX and XXXX XXXX had me XXXX and 60 days late on payments. I have never been late with any payments. I contacted their credit department and they insisted the information reported was correct. 
I should not be punished for cooperating with my bank. Currently this negative information submitted to credit reporting bureaus prevents me from refinancing with another bank. An intentional ploy by B of A. 

Company response: Company chooses not to provide a public response
Consumer complaint: Just received a letter from XXXX Service collecting for a local hospital. Debt is for a person with almost the same mane ( person that owes debt has different middle initial and living at a different address ). Also, some of the hospital visits are for a period when I was out of the country working for a company in XXXX XXXX. Just notified via mail. Individual is XXXX years younger than myself and has had trouble with the law in the past XXXX previous debt/restitution ) 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: These a debt on my credit report stating I owe. I have no knowledge of this debt. It also says I made a payment on this in XXXX of 2012 which I did not. The name of the company is accelerated financial. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have not received my billing statement since XXXX XXXX. The statements are not available online either. Because of this I did n't get any notice that my escrow has increased. I contacted them on XXXX and XXXX. However, I 'm still not getting my billing statements. On XXXX, they sent me a bunch of estimates they made on XXXX, for what I will have to pay on XXXX. However, these are not close to being accurate. On XXXX, I called them XXXX about this. The XXXX time I called on XXXX, I requested the supervisor. After waiting 30min, they told me the supervisor will call me back within 24 hrs. I never received a call from the supervisor. When i called on XXXX, I discussed another issue I have with a XXXX account. They took out extra amount from my escrow. Also, the XXXX they sent me has an incorrect Mortgage Insurance premiums section. They will have to resend that to the IRS. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We received a bill from XXXX XXXX XXXX some time ago ( see attached ) in the amount of {$47.00}, we immediately contacted the county and spoke with a person named XXXX, she gave me some information about the nature of the ticket, we told her that we never received a parking ticket or a ticket was ever placed in the windshield of our car, she also said that the parking violation occurred at the XXXX airport, I informed her that we did not park at the XXXX Airport as she stated, she looked up the car information and told me that the maker of our car was a Dodge Caravan, We told her that we do n't drive a Dodge Caravan. The XXXX employee told me that it was a mistake, that they were going to take care of the error and they were going to investigate. We did not hear back from that office until we received your letter collecting the debt with additional charges. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been receiving a letter acknowledging my authorization for automatic payment from my bank account on my macy 's credit card and the macy 's XXXX I had until XXXX of 2014 when I cancelled the XXXX out of frustration in not resolving this issue. Each letter I received was addressed to a different name, however it had my address and my account number and the correct billing information for that account. I called mace 's several times : twice I was told it would be fixed and it was not. The last time I was told that it was a computer error and could not be fixed! 

Company response: Company chooses not to provide a public response
Consumer complaint: This phone was retasked from XXXX XXXX XXXX After two years this company continues to call for the original owner - I have repeatedly told them that I am not the person and asked them to stop but they call all the time 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: My mortgage broker submitted my application for a loan I would not qualify for, even after being provided full disclosure of my situation. Broker was not aware of mortgage rules and as a result submitted my application for a loan type I would not qualify for, and then did not advise me in a timely manner prior to the financing contingency deadline that underwriting had found issues with the application. As a result, I lost {$1500.00} earnest money. Mortgage broker refused to take responsibility for lack of timely communication, and not understanding the mortgage rules. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have made calls after calls and can not find anyone to help me. I had a mortgage with US bank and in 2010 my house was foreclosed on. US bank was supposed to be helping me refinance my home. I do not know who to contact for the US Bank Independent Foreclosure payment. I was told I would have another check coming and I have not. I just would like to know how much the check is and when I will receive it No one seams to know how to help me. Can anyone look me up by my SSN and find out any kind of information for the payment?. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Arkansas XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: A man called me asking for information on how to contact a " XXXX XXXX ''. The man said my name was listed as a connection for XXXX XXXX. The man on the phone did not identify himself until I asked for his name. He said he was XXXX ( XXXX? ) XXXX with Nation 's Recovery. I asked if this was some kind of emergency that he needed to reach XXXX XXXX. He said, " No. '' He did not explain what the call was in reference to, but he left a phone number to call - XXXX XXXX XXXX XXXX, ext XXXX. My phone shows that XXXX XXXX call actually came from ( XXXX ) XXXX, Wednesday XXXX. XXXX, at XXXX. 

I believe this call breaks several laws concerning debt collection and I want to file a complaint. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for US Bank XXXX XXXX Credit Card in this XXXX and paid my XXXX annual fee in XXXX. The main reason for me to get this credit card is because the reward program advertised by US Bank and XXXX XXXX. At that time, the reward program says " Redeem Gold Points for XXXX or more consecutive Award Nights and the last night is free ''. However, I just received my XXXX statement in which it says this program is going to be changed in XXXX XXXX. The benefit mentioned above was removed. In my opinion, this is a bait-and-switch, the new program is not attractive at all. I feel extremely unhappy because US Bank and XXXX XXXX change the program suddenly within XXXX months after I got this card, and just give me one month to book my reward stay in order to use the benefit before it is gone. 

Company response: Company chooses not to provide a public response
Consumer complaint: We bought a mattress from Macy 's in XXXX of 2014 for {$930.00}. It was picked up in the same month. Apparently the charge has been pending all this time, and we have n't been able to pay off our credit card. We 've gone into the Macy 's where we purchased the mattress to try to resolve the issue, which they were not able to do. I chatted in multiple times to try to fix the issue, only to have my account charged another {$930.00}, so now I owe XXXX. Phone calls to customer care led me to a foreign call center, asking if I want to dispute a charge that was created on the Macy 's end. I do n't understand how a company can be so reckless with how purchases are handled with their store card, and no one seems eager to fix it. I did n't realize that paying off a credit card can be such a difficult task. How can a purchase charge be pending for more than a year? How can this go unresolved for so long? 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX - US Bank credit card -- false advertising! I am disappointed and angry about intentionally false and misleading advertising for the US Bank XXXX XXXX credit card. I was recently approved for, and paid the annual fee for, this credit card. The major benefit they advertise is a free night when making a reward reservation for cardholders. This was the reason I chose this card instead of a competitor like a XXXX credit card. Only a week after getting the card, I find out they have cancelled the benefit. Of course they were planning this while still advertising the benefit, to falsely induce more consumers into joining the card. They should be legally required to continue offering the benefit for all current cardholders, who relied on their promised benefits in signing up for the card. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a home mortgage with Well Fargo, that they brought from the closing lender I had 3 years ago. I was told my payments would be around XXXX-XXXX with a downpayment. I am locked in at a rate of 3.75 percent and I do not have a variable mortgage where it is suppose to jump. Well they jumped my payments to XXXX without my consent and are now telling me because of my escrow account. I do not agree and I believe that no one should be able to go in and just change your mortgage payment like that especially when you signed a contract. 

Company response: Company chooses not to provide a public response
Consumer complaint: After filing Chapter XXXX Bankruptcy in XX/XX/XXXX, I made payments to Ally Financial through the court trustee. The plan was completed and discharged by the court in XX/XX/XXXX, and the ENTIRE AMOUNT OF THEIR CLAIM WAS PAID IN FULL WITH INTEREST. However, while Ally acknowledged the amount paid through the wage earner plan, they are refusing to correct the account balance to {$0.00} as my other creditors did. I disputed this information with the credit bureau, and received confirmation from XXXX that the account information had been deleted and the matter resolved. However, I later discovered that rather than making the correction, Ally instead reported this tradeline as a NEW balance, dramatically impacting my credit score. I then contacted Ally directly to discuss the problem. Their representative, named " XXXX '' ( she refused to give a last name ), was extremely rude and made no attempt to be helpful, insisting that since there was interest that had not been paid, Ally would not report the account as a {$0.00} balance. I demanded to speak to her supervisor, XXXX XXXX ( not sure of spelling ), for whom I left a voice mail message. As of this report, I have not received a return phone call. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was buying a car. The car was totaled by a natural disaster. I had full coverage and GAP insurance. the company reported a balance on my credit. I contacted XXXX, Experian and XXXX. All except Experian refuses to remove it. I have the supporting documentation saying XXXX and XXXX removed this from my credit 

Company response: Company chooses not to provide a public response
Consumer complaint: I have attempted to submit a complaint with Experian but, they keep telling me they can not release my information and I can not get a representative on the phone. There are several names connected to my social security number that are not mine. My name is XXXX XXXX XXXX. After going to a closing for a recently purchased property they presented me with at least XXXX names connected with my SSN that I had no idea were there. I recently pulled my annual credit report and this information was not disclosed on it. The names listed are any variation of Love XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. My name is XXXX XXXX XXXX. I am sure Experian is the problem but, can not even submit my complaint. Furthermore, I now have to have the documentation from the credit reporting agency that says I am who I say I am before I can get these false names removed from my XXXX account and my XXXX account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a Cash Rewards credit card from Bank of America since XX/XX/XXXX. They closed it without any reason in XX/XX/XXXX. I contacted them several time by phone and even went to their branch to know why they did that. 
They just sent me a letter stated that we are n't able to reopen your account. 
This credit card is my major and XXXX credit card. So, while they closed my account, the " age of credit history '' is very poor now. 
This will make problem for me in future to apply for any kind of loan. 
Please help me to reopen my credit account. 
Thanks, 

Company response: Company chooses not to provide a public response
Consumer complaint: received call at XXXX on XXXX XXXX 2014. I answered the phone and they asked for XXXX XXXX. I said, " This is her. " They said, " I would like to verify your mailing address. " I said, " Who 's is this. " He said, " XXXX from ... '' and slurred where he was calling from. 
I had to ask him to repeat where he was calling from and he said " Stellar recovery ''. 
I had to ask what is stellar recovery and he said it was a collection agency and that he did not want to disclose any more information about it. I said, " Well I do not want to disclose my personal information to somebody I have no idea what it is. " He said, " I will document this '' and then he hung up. 
i feel harassed, just because i dont want to give up my personal information to someone who refuses to tell me why they are calling who they are who they represent or what debt i owe, I 'm somehow being reprehended by receiving a negative documentation. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: At the bigginin of XXXX XX/XX/2015 I opened up a bank account at a company called PayPal. They said they could arrange the processing of my credit card transactions and would divert the money to their own account with the understanding that it was my money and they were only holding it for me as my agent and fiduciary. I deposited around {$2500.00} over the next few weeks. On XXXX XXXX, XX/XX/2015 I attempted to transfer my money out of their account and into my account using ACH. Paypal refused the transfer and told me they have decided to keep my funds and there was nothing I could do about it. I contacted the Georgia Department XXXX and was informed Paypal has no right to operated as an internet bank in Georgia as they have never applied for a banking license. I have since filed a lawsuit in small claims court and learned during my research of Paypal that what has happened to me has happened to thousand 's of individuals across the United States. Paypal routinely seizes money and actually has the chutzpah to claim we have no right to now why. I have also learned that Paypal takes all depositors monies and invests it in anything it chooses to to make interest while paying depositors ( like me ) nothing. This is all fine unless and until Paypal looses all the money investing in XXXX XXXX and we all become unsecured creditors in a bankruptcy proceeding with little to no change off ever receiving anything back. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/2014, I paid a bill over the phone for my daughter. The card company XXXX card issued by XXXX bank deducted funds from my account immediately. Apparently three days later when the gas company attempted to complete the trsnsaction nd collect the funds, it had been resended by the card company. I was told that it took too many days. My daughter had to pay by other means along with a late charge in XXXX. Since then I disputed the charge, provided proof it was payed another way nd the card company is still refusing to refund my funds. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I deposited a check for {$50000.00} drawn on a XXXX bank into my Citibank HELOC on Thursday morning, XXXX XXXX. Today the local Citibank branch manager told me that the funds would not be available to draw until Saturday XXXX XXXX - XXXX from the day the money was deposited. 

Company response: Company chooses not to provide a public response
Consumer complaint: Quicken Loans obtained XXXX ( XXXX ) HARD Inquires from XXXX and XXXX Credit Reports Bureaus without my written consent ; consequently, these XXXX hard inquires lowered my credit score for future financial assistance. 

Quicken Loans XXXX Customer Services representatives XXXX XXXX ( XXXX ) XXXX XXXX and XXXX XXXX XXXX XXXX ) XXXX Ignored my request to REMOVE their Quicken Loans name from my XXXX and XXXX credit report files. 

Company response: Company chooses not to provide a public response
Consumer complaint: They keep calling like XXXX to XXXX times a day saying I owe money to a bank in VT and that I need to pay it. They start off by telling me they have my social security number, my kids names where I work etc. They say I owe over a thousand dollars for frauding a bank. They also say this was from XX/XX/2010 I do not owe anything like this. I have asked them repeatedly to stop calling me at work and they call right back within a couple of minutes. They ask to speak to my supervisor at work. Its always the same guy but he gives me different names. He refuses to give me the address of where his company is. He states he has given me all the information he will give me. The only thing I got out of him is his phone number which is XXXX. He says the company is called Sullivan Assets Management but when you call it he answers with a different company name. He has sworn at me because I refuse to give him any information. They also have my email address but they dont send anything in writing. When I tell them I am reporting them to the Attorney Generals Office they say it wont do any good and that they will continue to call me. They know my age which is XXXX because he says to me someone that is XXXX should be paying their bills. Its harassment and possibly a scam and I would like you to look into this. 

Company response: Company chooses not to provide a public response
Consumer complaint: Date of deliquency was XXXX XXXX, 2006, it has now been over 8 1/2 years and I should not be held to pay this and should be taken off my credit as a debit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Specialized Loan Servicing reaffirmed our XXXX mortgage as we entered into Chapter XXXX bankruptcy in XX/XX/XXXX. We made ALL payments required during that time outside of Chapter XXXX. When our Chapter XXXX was concluded and discharged in XX/XX/XXXX, they showed me as discharged in Chapter XXXX with a zero balance, although I still owe {$27000.00} and continue to make monthly payments as of this very day. They continue to report each month that I am charged off and have a zero balance, although I pay each and every month on time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I understand I 'm entitled to a free XXXX credit report when I am a victim of fraud, which I have been. However, there is no one to talk to at the XXXX credit bureaus and no way that I have seen online to order a XXXX free report. 

Company response: Company chooses not to provide a public response