AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In XXXX of 2009 I was down on my luck & had bad credit. Thrift Investment gave me a car loan & an astronomical rate ; with no chance of re-finance or early pay-off without a steep penalty. Unfortunately in XXXX of 2009 - I was in an accident and the car was deemed totalled by my insurance company. My insurance company paid them ; but per my insurance rep - they wanted the total payoff of the loan ; not the amount the car was worth retail. If memory serves I bought the car around XXXX ; with an astronomical interest rate for a total payoff of like {$9000.00} ( my numbers here can be wrong, since the paperwork & loan info for the car has been in storage ). My insurance paid them. But apparently not enough. They are claiming I owe them {$69.00}. I tried to call them to day to get information on why I owe them {$69.00} when the car was totalled 6 years ago & they got a hefty sum from my insurance company. The ONLY thing I got in return was verbally assaulted, asked how I could look at myself int he mirror and what the XXXX is wrong with me that I ca n't pay my bills and I was XXXX because I didnt pay my bills. I was never offered proof of this debt or anything. The only thing I received from them was a continual non-stop onslaught of verbal abuse throughout the entire telephone call. I was an still am deeply disturbed by the apparent lack of not only common courtesy but humanity by the representatives of this company. The lack of human decency by XXXX from Thrift Invesntment is something that no human being should EVER have to be subjected to. I was repeatedly called XXXX & asked how could I look at myself int he mirror knowing I dont pay my bills. I was not even given an opportunity to ask for proof of this debt, I was no t allowed a word in edgewise after my initial inquiry to provide my name & ss # - that is when the onslaught of personal attacks began & did not end until I was hung up on. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I went into the Bank of America branch in XXXX, XXXX by XXXX and XXXX. My mother has major health issues, I wanted to add my name onto her accounts, both credit card and checking and savings, and brought in a copy of my Power of Attorney for my mother. I was already a co-signer for the checking account. They adamantly refused and said they need the original power of attorney paperwork. Since I was traveling to XXXX State where my mother is in assisted living, I took the same paperwork into a Bank of America branch in XXXX, XXXX and they happily and quickly did the above. Why did the local Bank of America branch make me jump through hoops, and then another branch in XXXX State approve my request with no problem? 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo Mortage, if forcing flood Insurance on my account at the highest rate. 
I am part of a current law suit over this situation. 
I dont live near the XXXX and my home is a manufactured home which is XXXX Feet off the ground anyway. 
The area I live in is a a/b flood zone which means it could flood in XXXX years. This allows FEMA and the bank to charge whatever they want and ignor the height of the home etc. 
Iam unable to obtain a elevation cert. as no company wants to take the time for my home where I am meaning its not worth it as it is highly unlikely to occur and if so my neighbor does not have to have it. If there was a great flood he would under water well before myself as he is in a standard block home. 

Company response: Company chooses not to provide a public response
Consumer complaint: We closed on a refinance with XXXX XXXX Loans in XXXX 2015. ( XXXX XXXX ). Prior to the XXXX payment date XXXX sold our mortgage to LoanCare. My wife and I have been homeowners/mortgage consumers for over XXXX years and have never repeat never been late with mortgage payments. My opinion, following our efforts to have LoanCare properly credit our XXXX and XXXX payments, is that this organization would have to improve dramatically to be deemed incompetent. 
We had not received ANY documentation from LoanCare prior to the first payments due date. XXXX had notified us, in writing, that they had sold the loan but no new loan numbers were provided. My wife made the payment using tne ONLY loan number we had at that time. It was, of course, the XXXX loan number. My wife scheduled the payment that was due XXXX XXXX, 2015 through a " bill pay '' service with our bank that has never failed to work properly in the past. According to bank records, this check was cashed/deposited by LoanCare on XXXX XXXX, 2015. After multiple calls, with many people who have apparently been through no customer service training whatsoever, it was determined that our payment had been credited to an account carrying a LoanCare number that matched our XXXX refi loan number. Correcting this error would seem to be fairly straightforward however this has yet to occur. Both my wife and I, on separate occasions, have been assured that the problem was addressed AND that with new mortgages they will not report late payments for the first XXXX days. Upon returning from a business trip last evening, my mail contained XXXX notifications, both dated XXXX XXXX, that our loan was " in default '' and action needed to be taken. As of this writing, we are XXXX days into trying to receive recognition for PAYMENTS ( XXXX ) that we have made, in good faith, to an organization that seems to be procedurally challenged. My concern is this : once the XXXX day period has passed will LoanCare begin to report my wife and I to Credit reporting companies and damage our FICO scores? The fact that we have dutifully made our scheduled payments and made repeated efforts to work with them to assure these payments are appropriately credited and reflected in their records but have yet to accomplish this, would make errantly reporting negative credit information a serious and unwarranted attack on my wife and I. Should this occur, and my wife 's or my own FICO scores be negatively impacted because of their flawed processes, I believe that it could expose them to serious liability. 

Company response: Company chooses not to provide a public response
Consumer complaint: All of the information related to a XXXX XXXX in XXXX XXXX, CA is not mine ( not me ) I 've never lived in California 

Company response: Company chooses not to provide a public response
Consumer complaint: Reviewed my credit report as notified by my employer, found INCORRECT credit score from EXPERIAN. Unfortunately MY SON used my identity & got behind on some money problems. While checking my XXXX statement XXXX pay stub ), found a GARISHMENT withdrawal! I took care of my son 's debt / called that company & they SAID my credit would NOT be AFFECTED!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: Per the attached letters dated XXXX XXXX, 2015, I had previously contacted XXXX of Texas questioning charges. I received a letter XXXX attached ) in return dated XXXX XXXX, 2015 stating that they would review my concerns and that they would respond within XXXX business days. I did not receive a response from them. Today I received a letter dated XXXX XXXX, 2015 from Financial Corporation of America, the collections division of XXXX Texas, again demanding payment, without any of my concerns being addressed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a Home Depot XXXX XXXX XXXX and was declined due to a Bankruptcy from XXXX. 
I spoke to several credit analysts at Citi, XXXX of which was a senior credit analyst who recommended that the application be approved. I was promised a call back with in 72 hours, of which I never received. It took me over 1 hour to get in though with someone from there credit department who was able to take a look at my application ( of which they spend XXXX seconds in and then to a manager who spent less that XXXX minute in ). I have other cards with Citi that I have now had for over 4 years that have XXXX lines. I have nearly XXXX in available credit. The manager said that my overall utilization was to high. According to my credit reports I am using less that 25 % of my available credit which is considered to be low utilization. 

I do not believe I was treated fairly. I believe the analysts seen that I had a BK and was simply done reviewing the application and giving it proper consideration. 

Company response: Company chooses not to provide a public response
Consumer complaint: WELLS FARGO MAINTAINED A FORECLOSURE SALE DATE ON MY PROPERTY THROUGHOUT THE MODIFICATION TRIAL PAYMENT PERIOD. SET FOR XX/XX/XXXX THE SALE DATE STILL ON. XXXX PAYMENTS MADE ON SCHEDULE. 
ALSO FLOOD INS. TAKEN OFF BUT STILL REQUIRED TO MAKE PAYMENTS WITH FLOOD INCLUDED IN THE ESCROW DOLLARS. LOAN WAS NEVER A DEFAULT WELLS SENT XX/XX/XXXX PAYMENT BACK SAYING THEY WANTED ESCROW MONEY INCLUDED ON MY NON-ESCROW LOAN WHICH I PD EXTRA FOR THE NON-ESCROW TERMS. FARGO DID SO WHEN THEY WERE NOT EVEN THE ASSIGNED THE SERVICING RIGHTS UNTILL XXXX PLUS XXXX DIFFERENT SPOC IN PAST 8 MONTHS. 

Company response: Company chooses not to provide a public response
Consumer complaint: Keep calling my phone and job threaten with legal action also arrest 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I keep getting calls from a Diversified Debt Collection Agency. XXXX. I do not owe money to know one. All my bills are paid up and on time. I am on payment plan for my last bit of medical from my surgery. I want them to stop calling. I have never gotten any paperwork in the mail. I have perfect credit and have to because of my job. It better not be effected. If it has been someone is getting there XXXX kicked. I am sick of this. I want proof I owe no money and a letter stating my credit has not been effected. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: XXXX XXXX, A supervisor in the Loan Administration section reviewed the court filings on the Iowa Clerk of Courts Website regarding the foreclosure action filed by Wells Fargo Home Mortgage. While I understand your concerns, many civil actions and court proceedings that are filed within the court systems are documented on the county websites by law, and also a matter of public record. Also, I believe the information can only be removed by the order of the court. 

You may also be eligible to purchase a home using another VA home loan, but lenders will most likely want to see you reestablished credit and made satisfactory payments for at least 12 months after the foreclosure. Our records show VA paid a foreclosure claim of {$3500.00} to Wells Fargo. You would need to pay VA back this amount for full restoration of your home loan benefit. However, you have VA home loan bonus entitlement available too. When you are ready to move forward with purchasing another home and would like more information regarding your VA entitlement, please contact our XXXX XXXX Department at XXXX, extension XXXX. 

I hope this information helps. 


XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fax 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX is reporting a debt on my Transunion credit report as an " Open Account '' and as a " Factoring Company Account. '' A factoring company buys debt that is in good standing, not debt that is in default. In order for monies to be factored, the debt must be in good standing. The debt that XXXX XXXX is reporting was a closed Charge-off account. By the very action of purchasing " charged off '' bad debt it should prohibit XXXX XXXX reporting as a factoring company. XXXX XXXX is violating the Fair Credit Reporting Act at 623 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency. 

Company response: Company chooses not to provide a public response
Consumer complaint: Southwest Credit Systems is trying to pin a fraudulent zombie debt on my credit file ( XXXX ) for the amount of {$160.00}. I called to verify and they told me it was for a person living in Virginia a place I have never lived for a debt from 2004. I also called XXXX and they could n't understand how they came to the conclusions of amounts, debtor and " Date Opened '' they have listed because the record they pulled does not show the same information. This is a scam of a company. Fraud! Cease and desist all communications. Remove this fraudulent debt from my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Trying to collect debt from 2006 on an expired bank account in another city. This account originally had been closed by ME, and the bank failed to issue me the last remaining few cents in the account. An automatic payment came through the bank ( that I had cancelled but still tried to come through ), and they PUT IT THROUGH, though the account was closed! It was a small amount, maybe {$25.00}. 
After that, this XXXX Bank started charging enormous interest on the bounced fee ( 6 % daily compounded if I recall! ) and amount that went through. It kept going until it reached the sum of : {$250.00}, when they notified me that the account had not been closed properly and they were still charging daily interest. What took so long? No wonder they went out of business. N one trusted them! I have never known a bank in my life that added such large interest to a bounced check, especially considering the account had been closed out!! It was clearly a money making racket! I had absolutely no way of paying this fee back at the time, and felt it was perverse based on the way it was compiled. I tried to explain to the bank, but they were unreasonable and would not listen. They could only see $ $ signs. I suppose after you do this to enough people, you could be looking at quite a bit of money! 
I see no reason for letters to be sent to me now, after 9 years, and phone calls to be made, from a place called First National Collection Bureau , Inc, listing RJM as the creditor, with the original account at Compass, threatening me for legal action and the ruining of my credit based on a fraudulent amount of money that I owe. I do not have my bank records that far back, as they were left in my parent 's garage and after my father passed, everything had to be taken out to sell the house. It SHOULD be on this bank to prove the burden of debt. I was told by the agent that they can not do that because the original creditor has the records, and they bought the bank. Really? If they bought the bank, then they should have the records! They are charging over {$200.00} of interest, at the least. NO mention of compounded daily interest was mentioned for bounced checks when I signed up to that bank initially, none!! 
I was told by this debt collector that called that debts can be collected up to 15 and 20 years if it is valid. That is NOT what I have read. I have read that after 7 years that are dropped. And even if this is incorrect, it is illegal for a collection agency to buy an old debt to try to collect for themselves, and to lie and say they bought the bank ( it went out of business ). This agent argued with me over this. Sorry, I know my rights! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Transunion is the only credit reporting agency that is requesting proof of my current mailing address in order to put a fraud alert on my account. They have historically had wildly incorrect information on my account ( that is different from the XXXX other agencies ) and I could never get them to respond appropriately or resolve after providing proof. Now they are mailing a notice to a mailing address I have been at for 15 years asking for me to prove it is my current address every 90 days when every other agency is renewing a fraud alert on my account that I requested. I refuse to send additional info to the only agency that ca n't keep proper records from the start like the other agencies do and this is irritating that they wo n't put a fraud alert on my account at my request when I had fraud activity on my verizon account that indicated my ssn was compromised. My address has n't changed in 15 years and they are n't sure what it is?? Please do something about credit reporting agencies that forces them to keep proper records, handle requests appropriately and take fraud alert requests seriously. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a formal request to challenge the hard and soft inquiries on my Experian Credit Report. I have sent letters to each line item requsting validation of each inquiry. Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 

In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an XXXX XXXX credit card which I make payments through Bank of America. On Bank of America 's website, they provide the options for customers to make their monthly payments via E-Bill. When setting up my E-Bill, I was presented with XXXX options : Pay the minimum balance, pay Amount Due, pay the Statement Balance, and Other. I selected pay Amount Due and after the XXXX payment was due, I checked my account only to be surprised that only the minimum balance was paid. When I called Bank of America, I was informed that the 'Pay the minimum balance ' and 'pay Amount Due ' are the same thing ( even though the website provides different descriptions for the two options. Bank of America would earn interest on any individuals who thought they paid the amount due and did not check the amount that was paid. This is manipulative and deceiving. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have several accounts on my credit file that are not mine and are a result of identity theft these accounts are ... XXXX bank XXXX and other accts when reviewing my fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and addresses that I have been used fraudulently that need to be removed here are the addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and name aliases that need to be removed here are the aliases XXXX XXXX XXXX, And XXXX XXXX XXXX these accounts addresses and names need to be permanently removed I have sent in copies of a police report # XXXX officer XXXX XXXX badge number XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a servicemember who was serving with the XXXX XXXX and had an auto loan open with XXXX XXXX, through the XXXX program created and operated by DFS. I received a redress check in compliance with Consent Order File No. XXXX. I was traveling for my ( then ) current job at the time the check was mailed to me, and as a result it was placed in an archive of all my mail that my parents were keeping for me while I travelled. I did not return and go through all of my mail until recently, and because of this, the check that I was sent is more than ( XXXX ) days old, and is therefore void. I have contacted both DFS and XXXX XXXX XXXX ( the company contracted by DFS to issue redress checks ), who have both told me that they can not, or will not, do anything for me. This check is almost XXXX ( XXXX ) dollars! I read the compliance order, which states that it shall be effective and honored for XXXX ( XXXX ) years, and it has not been honored with regard to my case. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We currently have a home equity balloon XXXX mortgage with BMO Harris Bank. We have paid this loan for 10 years and we have never been late or missed a payment until this point. XXXX XXXX lost his job XX/XX/XXXX and XXXX XXXX also is not working. As a result of our financial difficulties we could not pay the new balloon payment which went into effect XX/XX/XXXX. When we took out the home equity loan we were lead to believe that if we were unable to pay the balloon payment amount the loan would be re-set to interest only as long as we were current in our payments. 
BMO Harris purchased our loan from XXXX. We contacted the BMO Mortgage Dept. to see if the loan could be refinanced. BMO Mortgage informed us that because our credit had eroded due to our current financial difficulties that there was nothing they could do and referred us to the BMO Loss Mitigation Department. At the time our loan was not delinquent. The BMO Loss Mitigation Dept. informed us that there was nothing they could do because the loan was current. They went on to say that only after we were delinquent could they work with us on a solution and loan modification. They also went on to say that our credit score was going to be negatively impacted because they were going to report us as late to the credit reporting agencies. 
We have been working with the XXXX XXXX XXXX XXXX. They are a HUD certified mortgage housing counselor. ( Attachment ) XXXX advised us to first work out a plan with the XXXX mortgage holder and then work with the XXXX mortgage holder. XXXX recommended that approach based on the fact that we could not commit to a payment plan on the XXXX mortgage when we did not know what our XXXX mortgage payment would be. As a second mortgage holder we told BMO that we were first trying to work out something with the XXXX mortgage company before dealing with the BMO XXXX mortgage because until we knew what our first mortgage payment was going to be it was not possible to commit to a payment plan with BMO that we might not be able to maintain. ( Attachment ) However BMO has not been sincere in trying to help us with a XXXX mortgage modification. After we got a loan modification from our first mortgage holder we notified BMO and they filed a " Notice of Foreclosure ''. ( Attachment ) BMO is not working with us in an honest manner. They are continuing with a foreclosure while making unreasonable documentation requests within a limited time frame. ( Attachment ) The foreclosure notice was only sent to us and our condo association. Sending the foreclosure notification to our condo association was not a legal requirement on the part of BMO. They notified our condo association of the foreclosure in order to embarrass and intimidate us. We think BMO is using fear and intimidation toward us because we are XXXX, XXXX and have a large amount of equity in our home. BMO Harris wants to railroad us into foreclosure with a minimum amount of effort toward modifying our XXXX mortgage even though we had an excellent 10 year history in the past. 

Company response: Company chooses not to provide a public response