AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: i continue to get calls from numerous people who hang up when you ask why they are calling you from phone number XXXX the reps are rude and they have no info on the who the actual bill is owed to. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I purchased a CD in XXXX 2000 from XXXX XXXX in the amount of {$5000.00}. I went to Wells went to Wells Fargo to cash it in and they told me they had no record of due to theit due to the fact that the banks had changed/merged over time. I wastold too much time had elapsed that it was either send to unclaimed property orcashed by me long ago. I do not recall cashing it in! When they checkedunclaimed property they had no record of it being sent to them. I was told that the bank records do n't go back that far in time. I was also told a letter was sent tome " back when ''. I did not receive any correspondence regarding this CD. 
Where is my money. The bank ca n't just say " it was turned over tounclaimed property '' or '' their records do n't go back that far ''. I feel thatthe bank should PROVE to me that it was either cashed, or give me mymoney plus interest. They just ca n't say well we do n't have it or haveany record of it. It is their responsibility. I have the CD. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received my credit score for free, but agreed to pay {$1.00} to receive the physical report. 
About a week later I was charged {$17.00} and contacted my bank to dispute it only to find out that I had been charged a monthly recurring charge of {$17.00}. I was able to dispute it through my bank, however, it has caused me to cancel my debit card, order a new one, and change all of my direct deposits, automated bill pays, etc. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is not my account. I never had a XXXX XXXX XXXX credit card to date. I especially have never had any credit card with a limit of {$17.00}, XXXX. This must be a case of mistaken identity. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called the original company who I had the debt with and was told I was no longer in their system and I should call the collection company. I called the number listed on my credit report for XXXX Collections but the number was no longer in service. Then, I noticed that this same open collection with XXXX was closed in XXXX 2015, on my credit report. I have never received any calls or letters from XXXX. I would XXXX to see if this can be permanently removed from my credit reports. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I apply for auto loan through XXXX XXXX company, I told the finance department that I want to apply only though XXXX bank, and I applied by my self oniline though XXXX XXXX XXXX. 
I found that they applied through XXXX bank, XXXX XXXX XXXX and XXXX XXXX without my permission, When I returned to them, they said it was mistake. 
How can I remove those hard inquiries that I did n't authorize. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of American owed me {$8000.00} for funds that they said, I owed and at this time they have not proved that I owe any money. They held more than {$26000.00} in unapplied funds and when the loan transferred to nationstar in XXXX there were still funds that had not been applied to my primary mortgage. In XXXX of this year XXXX XXXX threatened to foreclose if I did not pay after I had been paying them since XXXX they refused my XXXX XXXX payment until I agreed to pay the XXXX including additional late fees, attorney fees, home inspection fees running the bill up more than XXXX. I paid out of fear. Also, on the XXXX mortgage I paid an close to XXXX out of fear of the collection tactics from bank of America and XXXX. I have paid in good faith as that was the reason I filed XXXX in XXXX to pay my creditors in good faith. I am not satisfied with the results of this investigation on behalf of these mortgage companies that have committed fraud and false billing statements to collect money that I do not owe. I am seeking reimbursement of $ XXXX XXXX XXXX I paid more than {$12000.00} to nationstar to keep them from foreclosing on my property. I paid bank of America a check because they said I was behind on the heloc when was settled in bank ruptcy. I am due a refund and my credit reports need to reflect that I have paid in good faith. I am very disappointed in bank of America, countrywide and XXXX for the mishandling of my accounts and my payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: Years ago I used my Bank of America card to keep my XXXX year old mother in a nursing home. The balance soon grew very large. After she passed away I began to repay BofA a larger monthly payment. I did pay monthly {$500.00} a month and XXXX or XXXX times I payed BofA {$1000.00} a month as they requested, to get the balance down. This was very difficult, so I reached an agreement with them to pay $ XXXX monthly I did this automatic payment for about two years. 
About 6 or 9 months ago I noticed the {$200.00} was not being taken from my checking acct. I called BofA and was told my acct. was written off and it was sent to collections. I told them I would have happily continued sending them {$200.00}. They did not contact me in anyway that to say the payments were schedule to stop. I asked what could I do. They said " nothing, once its gone to collections, there is nothing you can do ''. I asked for the address to begin paying again to a collection agency. Of course this places a negative credit mark for many years on my credit history. It seems so wrong the way they managed my acct. and placed my acct to collections without a tele. call, nor an email, or a letter to give me a chance to continue making payments. This lack of common courtesy to me by sending my acct to collections was wrong, and costs me a lot in higher interest rates throughout my life. I am XXXX years old and do not have a lot of years to wait 7 years for them to remove the " Sent to collections ''. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've called Transunion interactive department and annual credit report and explained to XXXX them that I 'm not able to access my Transunion report online each year and have to have copy mailed. I want to view my report online as I do with the other XXXX credit bureaus XXXX XXXX. I 'm able to view these credit reports online, but not Transunion and nobody has been able to help with this issue! 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an emergency and went to the ER at XXXX XXXX XXXX Hospital I was there for a XXXX hour Paid all the doctors etc that I got bills from.. around XXXX different ones. Only seen XXXX ... Got a bill for over {$2600.00} Plus XXXX in doctor bills ..Started paying {$50.00} dollars a month and requested a Itemized bill. Did not get XXXX ... waited 2 weeks ..requested another ..did not get XXXX ... waited 2 weeks and called and spoke to the hospital told them I needed a Itemized bill. Was told I could not get XXXX due to a new Computer system and that they would send XXXX out asap. continued to pay {$50.00} a month.. Waited XXXX more months and continued to pay the {$50.00} dollars. I stopped receiving bills from the XXXX so I called and asked Why..Again the answer was the computer system was new and not to worry about it and that they would contact me when everything was back to normal ... .Then I receive a letter from Meades & Associated saying I was in collections. They demanded full payment ... I told them what happened and I got will send you a Itemized statement ... but you need to pay Immediately XXXX dollars now .. I refused .. and stop Paying ... I tried to reason with them .... again never got an Itemized bill of what I supposedly owed. From my understanding that They can not bill me without an Itemized bill.. Also I was paying monthly and it should have never went to collections in the first place ... Would you pay if you did not know what you were paying for? They broke the FCRA and should have to remove this collection Immediately. They want to send me an Itemized bill now? No it should have not went to collections.. I paid what I could. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: According to my paid subscription to TransUnion 's credit monitoring my credit score on XXXX XXXX, 2015 was XXXX. When XXXX XXXX bank pulled the score ( and I confirmed with XXXX underwriting department that all they did was use the score provided by TransUnion and did not generate the XXXX internally XXXX the score provided to them from TransUnion was XXXX. TransUnion can not explain the difference. They said XXXX must have used their own model. XXXX did not. Because of the score TU reported to XXXX I was denied credit. TU claims that the score they show the customer via their credit reporting membership service and the one potential lenders see are the same. However, they are not. They are n't even close! 

Company response: Company chooses not to provide a public response
Consumer complaint: To make this short and concise, I will describe the situation. 

Enhanced Recovery put an XXXX collection on my credit report a few months ago. I have attempted to dispute this account with the XXXX credit bureaus because I have had uninterrupted service with XXXX XXXX XXXX for 15 years now. The credit bureaus claimed that this account was verified as legitimate by Enhanced Recovery. 

After calling Enhanced Recovery, a representative named XXXX XXXX could n't say what the debt was for and could n't provide me with details of the charges but instead kept telling me to go talk to XXXX XXXX XXXX about this debt. When asked to speak to his supervisor, the line was put on hold and eventually hung up. They were called immediately back and I finally spoke with a supervisor. 

The Supervisor claimed that it was for a landline phone that was connected from XX/XX/XXXX to XX/XX/XXXX he claimed that bills were sent to me with no response but he gave me an address I have n't lived in for many years. When the supervisor was asked why XXXX XXXX XXXX had never sent me a bill or contacted me about this debt he could n't answer. When asked why his company had n't contacted me either he still could n't answer. Finally, when I asked why his representative XXXX XXXX could n't say what this debt was about and why I was being told to get any relevant information from XXXX XXXX XXXX themselves but now the supervisor himself supposedly had the information to give me the supervisor could n't give me a response either. 

This debt is not mine and I do not owe XXXX anything. I have had service with them for 15 years and if I truly owed them anything they would have notified me. After all, they do have my current phone number and address. This debt is invalid and I believe Enhanced Recovery is trying to collect this debt fraudulently. They already " verified '' it with the credit bureaus when they know full well they ca n't. 

This account is literally the only account preventing me from buying a house and if Enhanced Recovery does n't quit it 's illegal collection tactics I will be forced to sue. Houses are n't getting any cheaper and I am not getting any younger. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i am haveing promblem getting my tax refund, i ll file my taxes with XXXX, i did file XXXX because it was rejected, but they approve it on XXXX/XXXX/15 they sent it thru, now here where the promblem begin they sent my check to a banl in california, that bank sent my funds to Bank of America, i went in with information, Bank of America said even thou you have the doucument we cant do anything about it because it in another account, where they got these number from i dont no where, i never had a Bank of America, they said that the IRS is the only XXXX that can solve this promblem but in the meantime you have my fund in that account for 6 month, the IRS SAID THEY ARE NOT RESPONSIBLE, since it a XXXX party, XXXX said that seem like identity theft, i call the police department, they came and said thid ia not indentity theft, someone made a mistake and they need to correct it, so i really hope you guys can help me out 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/XXXX I made a payment on my Citi Card account ending in XXXX using my checking account ending in XXXX, which I have made in error because my payroll goes to my account ending in XXXX. 
XXXX I realized my mistake, so I made a payment for {$2000.00} using my checking account ending in XXXX and another payment on XXXX/XXXX/XXXX using my account ending in XXXX for $ XXXXXXXXAt this time, Citibank have attempted to process my payment on XXXX/XXXX/XXXX which made my bank ending in XXXX fine me a penalty of {$60.00}. 
Because I already made a payment as soon as I realized I made an error on XXXX/XXXX/XXXX, I did not contact Citi and I have been accessing my account and I did not receive any notification or warning of them closing my account for this reason. If I knew that they will closed my account for this reason, I should have transfer the money on XXXX/XXXX/XXXX and have them processed the payment that I made by mistake using my account ending in XXXX. 
XXXX I tried to use my Citicard ending in XXXX and it declined. 
I called Citi and I called to numerous representative and finally get through the Credit Dept Mngr who said he will send a request to reopen it and it will take about 7 business days. On XXXX/XXXX/XXXX I received a letter online saying my reopening request has been denied even if I have explained to them what happened and already made 2 payments after that for {$4300.00}. I have put all my available liquid assets/cash into paying my Citicards, now I do n't have any resources to pay my bills. Citicard did not call me to tell me that my payment did not go through on XXXX/XXXX/XXXX. We are also planning to buy a house on XXXX XXXX, so I have been paying off my Citicard every month. I have not paid interest to Citicard because I have been paying it off before my due date, to increase my credit score for my future mortgage loan. Also, they just increase my credit limit to {$8300.00} from {$6000.00} on XXXX XXXX. 
Our plans of buying a house in XXXX and my credit score will be affected by this action tremendously. How can they not re-open my account when I already made the payment, I do n't have any balance due when I made the payment in error and it is within 30days of my due date. 
Please help me to reach the Corporate office of Citi and sort this out. Please re-open my account being that I have been a good cardholder of CitiCards since XXXX. 
Thank you. 

XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Mortgage was sold from Waterstone Mortgage Corporation to XXXX XXXX effective date XXXX/XXXX/2015. I was notified today XXXX/XXXX/2015. XXXX 12-13 days, not the XXXX as required by law ) Called Waterstone customer service, they said it has n't been sold yet and I should n't have received anything stating it has. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I am being scammed out of my husband 's pension by Wells Fargo. 

Company response: Company chooses not to provide a public response
Consumer complaint: MY NAME IS XXXX XXXX AND I HAVE A LOAN WITH SALLIE MAE, THE AMOUNT IS {$10000.00} AND THE INTEREST RATE IS AN UNBELIEVABLE 9 %. I NOTICED THERE ARE FEDERAL LOAN ALTERNATIVES LIKE THE XXXX FOR STUDENTS WITH AN INTEREST RATE OF 3.86 % FIXED AND THE XXXXFOR STUDENTS WITH AN INTEREST RATE OF 5 % FIXED. I WANT TO KNOW HOW I CAN GET MY INTEREST RATE REDUCED TO THE RATE OF XXXX OF THESE TYPES OF LOANS. I ONLY WORK PART TIME AND I CA N'T AFFORD THE PAYMENT THAT IS REQUIRED UNDER MY CURRENT LOAN. MY ACCOUNT NUMBER : XXXX. PLEASE CONTACT ME AT XXXXXXXXXXXX SO I CAN CHANGE TO A LOWER RATE AS SOON AS POBBIBLE. WHEN I TOOK THIS LOAN OUT I THOUGHT IT WAS A FEDERAL LOAN BECAUSE IT WAS FROM " SALLIEMAE '', BUT WHEN I RECEIVED THE LOAN PAPERS I WAS TOLD IT IS A NONFEDERAL LOAN. THAT IS VERY CONFUSING AND COULD BE DECEITFUL. I AM ATTACHING THE LOAN DOCUMENTS FOR YOU INFORMATION AND THERE ARE XXXX PAGES. THANK YOU XXXX XXXX XXXXXXXXXXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX of my reports there is a claim I have an open account in collections, this is incorrect. It was paid XXXX 2014. I contacted the company and they confirmed the account in collections was paid off in XXXX 2014, I just need to get it removed from my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband has an automobile financed through Ally Financial in Fliorida.He has missed ( XXXX ) payment! I work at a hospital and they continue to call my job every week after I have asked them mumerous times to not contact me at my employment and even identify themselves as Ally financial to my co wrokers who answer the phone. They have to go through a switch board to have me paged to come to the phone.We are not allowed to recieve personal phone calls through the company phone unless it is an emergency. This is becoming a problem since I am pulled away from seeing patients and doing my job to come to the phone and could cost me my job 

Company response: Company chooses not to provide a public response
Consumer complaint: Collection letter was mailed to me for attempted debt collection of XXXX medical accounts already paid in full. The payments were to the same collection agency. I called the original creditors and confirmed payment was received. The collection agency, Revenue Recovery Corporation,XXXX.tn.,XXXX.XXXX was attempting by fraud and misrepresentation to collect the debts XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I regularly deposit paychecks in XXXX XXXX ( XXXX ) into my Citibank bank account. Citibank first deposits the checks as if they had been made out in USD. Then they correct the amount by subtracting the difference. However, they do this before making the deposited amount available. They typically hold an excessive XXXX weeks before making the amount available. Where do the get the money for the difference? They deduct it from the balance already in the checking account, rather than adjusting the deposit amount. This has created an overdraft and left me without my own money on two occasions. Citibank has first refused, then relented, on two occasions, to waive the overdraft fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: Was curious to check my credit score online only to find out I owe {$320.00} which I was not aware of from a previous complex I used to rent an apartment from. Being a seasonal employer was there for XXXX months & paid my rent till I moved out & left for XXXX in XXXX 2013. Never got an email nor phone call stating I owe them money & I shared my apt with another person. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: On XXXX XXXX, 2015 I made arrangements to repay my wife 's debt to Enhanced Recovery Company , LLC, XXXX. XXXX XXXX, XXXX, FL. The person I spoke to understood that the original debt to XXXX had fallen behind because my wife had become ill and the representative was sympathetic. I arranged to pay with a debit card with agreed XXXX payments over six months wherein I would call and make the payment. The first payment was taken from my bank account on Monday XXXX XXXX, 2015. Despite this, ERC called me and said that if I did not pre arrange the dates and allow them to automatically withdraw the amounts, they would continue to call me. I responded that this was not the arrangement which I had made with them and the supervisor said that she had no way of knowing what the representative had made with me. I spoke to her as the common liar that I found her to be. I intend to repay the debt. I sent them a written request on XXXX XXXX, 2015 to contact me only by mail. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: my wallet was lost with all my property. I had report it to the law enforcement. I sent the report to all XXXX credit bureau. those charge on my credit report are fraudulent charge. I 'm continue to says and repeat my self that those charge are not mine. I do not made the report my self you need call the city were i 'm living to found the thru. okay thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: I sold a car that was later impounded from the new owner. The tow bill has been reported to my credit.Since I realize the negative item on my report I contacted XXXX XXXX and the reporting agency. I 've forward the name and address of the new owner to XXXX towing and they simply refer me to Dataline CR, the company they sold the debt to. Dataline CR does n't want to hear anything I have to say and keeps referring me to XXXX 's towing 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2015 I have received a phone call. It was an automated call saying that I have to call back, because it is a legal matter and if I dont call back I will be penalized and sued in the court. I called back to the provided number only to find that it was a collection agency that said I have to pay them now, I checked my credit report and turns out that an old bank account had put m eon collection for {$140.00} total but the collection agency requested over one thousand dollars from me. They said that I have to pay now or go to court because they already filed a lawsuit with the court. They also suggested that if I ca n't sign for the papers today ( that same day ) I can call a number to change the delivery date. I called that number and they sent me to talk to the manager. He cursed at me, used unbelievable profanity and requested that I pay them now. I said that I dont even know who they were, what account I owed money for and that they need to send me papers to see along with advertised lawsuit that was " filed '' by the collection agency. They just hanged up on me. I called back and that same person again used profanity against me, when all I wanted to know who they were and some proof on the amount they requested. He then threatened me that he will sue me and that I will go to court. 

Company response: Company chooses not to provide a public response
Consumer complaint: Multiple harassing, threatening calls at all times per day without any written notice or claim of purported debt owed. 

Company response: Company chooses not to provide a public response