AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Received letter from IRS proposing changes to our 2014 form XXXX because reported cancellation of debt form XXXX from Credit Acceptance Corporation which created a tax bill with penalties and interest. We never received a XXXX from this company. The only dealing we had with this financial institution was over 20 years ago and do n't have a valid debt with the company. 

Company response: Company chooses not to provide a public response
Consumer complaint: Upon vacating a previous apartment complex the landlord had claimed damages to their carpet which we immediately disputed. The apartment complex did not provide an itemized list of damages as requested by tenant and within the 30 days as required per the lease and Massachusetts state law. 

National Credit Systems, who had then become the debt collector contacted us in regards to the disputed debt. We immediately told them the debt was in dispute. They claimed they would verify the debt and get back to us. Shortly after National Credit Systems stated the debt was valid and provided proof of the damaged carpet with a photo copy of a pay stub of the former tenant. 

A pay stub to prove that the tenant was in debt in regards to damaged carpet? 

This sequence of events is in violation of 15 U.S.C.1601 Fair Debt Collections Practice Act. This by far does not come close to validation of debt even after requesting validation by the accused debt holder. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In 2003 I took out a Home Equity loan on my residence through XXXX Bank XXXX XXXX for approximately XXXX. A short time later in 2003 I also refinanced my residence mortgage with XXXX Bank XXXX XXXX for approximately XXXX. The loans were absorbed at some point by Bank of America where I had been paying on regularly until up until about a year ago. 

At that time I went through a divorced and my income level was reduced. I have had trouble paying on the loan for XXXX and the loan was handed of to XXXX XXXX. During my discussion with XXXX representatives about what was my first ( primary ) mortgage and what was the second ( equity ) I discovered that Bank of America had reversed them. I have since been in contact with the Mortgage Department at Bank of America who do not seem to understand that the mistake has been made. 

I have since spoken to a Bank of America manager who advised me that it did n't matter what was the first or second mortgage. That same manager stated upon speaking to the Mortgage Department they reaffirmed that the equity loan had been turned over to XXXX and was being treated as the primary mortgage. 

The primary mortgage on my residence has always been the lower of the XXXX loans. Contrary to what Bank of America personnel are saying it does matter which loan is considered the primary mortgage on the property. The reasons are many and especially given that XXXX was turned over to another lender and I am working to secure a refinancing program through them. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Eastern account systems did not disclose that they were a debt collector they called my husband and stated that they were charter cable and for him to make a false statement. I have a false report from charter on my credit report and have been fighting this for a few years now trying to get them to remove it. They got him to set up payments thinking that he was paying for out cable TV I have now been calling them for a week now with no response from them and they continue to draft my bank account. They are not disclosing themselves as a debt collector they only stressed that they were from charter. They have now taken over XXXX from my bank account in less than 2 weeks this is ludicrous and I want my money back and for them to remove my credit bureau report that is false since I have never had them up until a few months ago. Please help me thanks. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was charged overdrafts on my bank account for previously pending charges while still being allowed by my bank to withdraw {$180.00} out of a check that I had just deposited for {$500.00} their claim was by letting me have the {$180.00} it made my pending authorized purchases Invalid and that I was charged a overdraft fee for every purchase even though I still had the same check which I was allowed to purchase {$180.00} worth of merchandise on in my account if it was good enough to cover that it should also have covered the XXXX prior purchases which came to a combined total of {$11.00} also in addition to this my monthly social security checks were also entered my account for a total of {$750.00} all of this activity occurred on XXXX/XXXX/2015. The reason that I know how much I was authorized to spend out of the {$500.00} check that I deposited was because the initial total of my merchandise came to {$310.00} when I swipped my ATM card it only authorized me {$190.00} so I had the purchase voided and the {$190.00} put back on my card I then choose {$180.00} worth of merchandise which I was allowed to purchase, but before depositing the check and with everything pending I still had {$1.00} in my account. When I went to the bank about the overdrafts, I was given XXXX different explanation over the course of two days, first by the teller initially, who said it was because I made a purchased of {$6.00} on XXXX/XXXX/2015 I then asked to speak with the manager he was busy, so after waiting about a half hour the assistant manager said she would look at it she gave me an entirely different explanation, telling me that they really did me a favor by letting me have the {$180.00}. Becaused the check had not cleared this was on XXXX/XXXX/2015. I returned on XXXX/XXXX/2015 this time I met with the manager who gave me still a different explanation but advised me to take the overdraft protection of my account and said that he would refund XXXX of the overdrafts. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX ( Creditor ) Incorrectly Billed Me For Months, When I Canceled My Autopay because I thought the balance was XXXX, the XXXX XXXX ( creditor ) reports late on my creditor report. The credit later reverse incorrect charges that would have made my account balance zero during the period they are report as late however, refuses to remove the late mark from my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: BBT ( Banking ) continues to charge overdraft fees. For example, they will have pending amounts that they already take the amount off of your available balance. Then when a charge goes through that is not pending, they charge you an overdraft fee. When you go to the ATM to put money in to cover the negative balance, they hold the amount, then, the next day, when the pending amounts go through, they charge you another fee before depositing the money you deposited the night before. 
They have changed the time you are allowed to deposit from XXXX to XXXX, and will make NONE of the money you deposit available to you until the next day. 
The fees are out of control. They began charging a fee is you download your statement to XXXX. We were unaware of this, so they charged a fee for THAT fee. 
Banks are OUT OF CONTROL!!!! I have even had a hold on CASH deposits. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to XXXX XXXX once. I paid a fee on the day of the appointment. The office was suppose to bill my insurance company. The office did not bill the insurance, and sent my account to collections. I notified the collection agency that my account should have been billed to XXXX. XXXX XXXX finally filed my claim. I owed an outstanding balance, which I quickly paid. However, I refused to pay the late fee. I wrote in my letter that I would make payment in full less the late fee. I wrote that the check enclosed would constitute payment in full. The collection agency accepted the payment but billed me again for a late fee, and the late fee had increased. I wrote them back again explaining that the late fee was not my fault, XXXX XXXX failed to file the claim. The collection agency sent the late fee claim to the credit bureau and my credit score has decreased. 

Company response: Company chooses not to provide a public response
Consumer complaint: A collection was placed on my credit report XX/XX/XXXX with a date of XXXX XXXX. I called on XXXX XXXX and sent a certified letter on the same day. The customer service rep said this debt was from XXXX XXXX but could not verify my address was the same. There were 3 different times this debt was put on my credit report and one after I disputed the debt. I asked that this be reported as disputed until RGS could provide more details to the debt and the customer service rep said she would need to contact the original creditor. This was not done. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Dear Board : In XXXX a series of emails ( XXXX ) went between my email and XXXX XXXX, an investment company in XXXX, requesting a distribution of {$35000.00} from my retirement account. I never initiated these emails nor were they visible in my email program. XXXX distributed the money by wire to a fraudulent account in a XXXX Wells Fargo account. This account was set up with my information but another name on the account, unrelated to me. I was made aware of this when I received a letter from XXXX acknowledging the distribution. I emailed, then called immediately denying that I had requested this payout. XXXX was made aware of the error/theft and I immediately went to our local Wells Fargo bank with the police. A search warrant was issued and the money/wire transfer was traced. 
XXXX, Wells Fargo, and XXXX have fraud teams working on this and to date I have all but {$4000.00} back in my account. However, several regulations were broken. XXXX is obligated to confirm by phone that I had requested this. They did not. The hacking of the email appears to be from their end, not mine, per the forensic IT department that I hired. Wells Fargo did not do their due diligence in setting up the fraudulent account. How can an account be set up with my credentials in XXXX in XXXX? Then they accepted a wire transfer with my name on it into an account with someone else 's name on it. Our local police say it is out of their jurisdiction now since it crossed state lines. So who is tracking the criminal? 
No one has assured me that I will recover all my money. No one is taking responsibility at being at fault. But both companies did not follow regulations and rules. They need to be held accountable. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a phone call from XXXX at XXXX at my home phone number XXXX. The person who called did not leave any message saying that they are debt collector at. all. I get home at XXXX and see that my phone answering machine is blanking means some one called and left the message. I try to listen the message but their is no any clear message saying that they are debt collector and calling to attempt to collect the debt against the third party., I called that number at XXXX this evening which was showing in my phone ID caller XXXX .XXXX Extn XXXX from XXXX XXXX XXXX XXXX. pick up the phone. During the phone call he did said that he is debt collector but did not say his debt collection agency name at all.. The debt collector is harassing me. I did received their letter in mail yesterday on XXXX/XXXX/2016. I did called the number XXXX which was written in their letter. I spoke with XXXX XXXX, Extension # XXXXabout this debt. I did told him that I do dispute this debt and I think the debt company who represent by this collection is not the correct agency to whom XXXX XXXX sold the debt. I did told him I do disputes these charges and still try to settle if I can understand these debt in question. They called today at XXXX and using other number XXXX .This phone number is not they listed in their collection letter at all. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My Bank of America credit card was always paid on time and paid in full yet the stated late payments and I settled with them which is false. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a medical bill that became delinquent it was giving to I C systems 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a mortgage from Amerisave XX/XX/2012 and paid their fees to secure the rate and term. I was baited and switched and never received the loan. This was a scam. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Sallie Mae is giving me the " run around '' when trying to get payment assistance. All departments transfer me to other departments, each stating that it is the previous department that can help. This cycle has happened 4 times that I have contacted sallie mae. The customer service center only offers a forbarance program which does not make affording the payments any easier. There was mention of a Rate Reduction program but each person I talked to referred me to another person who could " help '' all said it was another person. Again this happened 4 times. They have the absolute worst customer service. And are not willing to help at all. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2016 at XXXX, I entered the Bank of America at XXXX XXXX XXXX XXXX XXXX California. I was there to pay bills by collecting my California State unemployment benefits which are deposited by the State of California into the Bank of America Account systems. 
Every 2 weeks, I am being continually and openly harassed by the actions of the bank manager, " XXXX '' that has seen fit to voluntarily withhold my benefit payments until he recites the fact that I do not have to enter the bank to collect my benefits. I have told this manager that ; 1. I have a right to transact my business within the bank 2. I prefer the safety of transacting business within the bank structure 3. I should be able to collect my benefits without this individual holding on to identification and banking cards, for 2-3 minutes, without processing my request, as he openly smirks, and takes illegal advantage of his position. I have already submitted a complaint of a similar incident ( Case number : XXXX ) that occurred on XXXX XXXX, 2016 by the same individual that appears to feel that banking customers have no recourse regarding his inappropriate official actions. 
On XXXX XXXX, 2016, I had to openly ask this individual five times to " please process my request without delay '' ... He ( XXXX ) laughed, and stated, " XXXX XXXX, I have to tell you this '' .... This is become extremely irritating and frankly I have been told that it is illegal for this individual to delay or intentionally inhibit my access to state benefits ... I am currently searching for attorney or a banking enforcement entity to investigate my complaints. On this, my latest complaint, there were witnesses available, Including " XXXX '', another Bank of America employee positioned in the lobby and greeting customers as they entered the bank. I am sincere about having these events investigated, and I am confident that bank cameras captured this event as well as the prior incident. It also appears to me as if this is a racially motivated incident, in noting that no other patrons are subjected to this type of irritating response by this Bank of America " Manager '' 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX I signed up for fiber internet with XXXX. They delayed install 3 times and broke our contract. On the third delay, they agreed to cancel the install. This was XX/XX/XXXX. 

Soon after, I received a bill for around XXXX dollars. And soon after that calls from a collection agency. 

I cleared things up with centurylink in XX/XX/XXXX, but their credit agency just sent me a collection notice today XXXX XXXX, XXXX. 

They need to stop. At this point it 's annoying that I get punished because they ca n't keep track of their billing from one day to the next. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a chapter XXXX bankruptcy and it was discharged in 2010. Syncb/Care Credit was included in that bankruptcy and they are still continuing to update and report damaging my credit. By law they can not continue to report and damage someones credit after a discharged bankruptcy. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On Experian : they did not remove any of these disputed items. I disputed the misspelling of my name : XXXX never ever been called this. I disputed addresses they said I have lived at- XXXX , ND , XXXX, XXXX XXXX- never lived at these places and never been associated with them. Disputed linking my report with the SS # of XXXX no reason at all this should be on my credit report. There was a lot of credit inquiries that I have no clue who they are or why they are inquiring about my credit but the button does not let me dispute them : XXXX XXXX, XXXX, etc. This erroneous information should have been removed as I requested but within 24 hours they said it was settled and all still on there. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I applied for a car loan at the dealer, was told I qualify Flagship Credit Acceptance. I have late fees for monthly missed payments with Flagship. Whenever I specifically ask to have late fees added to that payment I am making they say yes, after I pay, I am told the late fees are added to the principal payment. I have recorded at least XXXX conversations. Today, I am 35 days behind and am being told that my account has to be brought up to date in order to have access to my account online. I asked the male rep may I have copies of their rules and regulations, it was never mailed to me, despite having ask at least 3 times before. He replies, to get it online, my reply was how can I get it online when you told me I have no access, he starts telling at me to stop yelling, which I was n't. He hung up on me. I am told so many contrasting and different rules by workers. 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it may concern : I had a XXXX XXXX auto loan that was charged off in XX/XX/XXXX for a balance of approximately $ XXXX. XX/XX/XXXX I contacted XXXX XXXX to negotiate a settlement. A verbal agreement was reached, but no payment or document was signed. Personal circumstances would n't allow me to fulfill the agreement, I called and informed them. The rep. told me to call back if my situation improved. XX/XX/XXXX I received notification from my XXXX credit tracker accounts that stated a charged off account from XXXX XXXX was reported to my credit reports, the balance was for over $ XXXX. 

I called XXXX XXXX and received an automated response that no one could speak to me. 

I filed a complaint with CFPB, and informed them of my situation. 

I was contacted by XXXX XXXX, see reviewed my complaint and the supporting documents I submitted. She stated that XXXX XXXX 's records do n't show they 're reporting a charged off balance of $ XXXX, but for only $ XXXX. XXXX closed my complaint as it being resolved. Soon after I pulled my credit reports and they showed a balance of $ XXXX. I contacted XXXX, informed her of my finds, and provided a copy of my credit report. She told me she would review it. I updated my CFPB compliant that my case was not resolved and sent a copy of my credit report. 

A week after I provided XXXX with my new credit report, she contacted me and stated that the balance of $ XXXX is correct, because in XXXX XXXX, the credit reporting agencies made a change that requires creditors to include interest and fees of past charged off accounts. I asked XXXX to send me a letter that highlights what she stated to me. She agreed. I followed up with an email asking her to send me the letter. I 'm currently waiting on the letter. Also, I called CFPB and updated them on my case. I was asked to call the credit reporting agencies to see if what XXXX XXXX said was true. I was only able to speak to a rep. from TransUnion, the rep said it was not true to his knowledge, they only report want the creditors ask to be reported. 

I 'm not sure how many others may be effected by this practice, if it is indeed improper reporting. 

Note : The case number for my previous CFPB compliant is : XXXX. The pass code to open the PDF file is XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mother has XXXX and is XXXX years old making it difficult for her to get around when she is not hospitalized. A few years back we went to a branch and had my name added to her passbook savings account in case of situations like this. I had no reason to go since then, until now, but when I went, the bank had mixed someone else 's information with my name on the account and it would be difficult to straighten it out without my mother. In the interim we went and had power of attorney documents notarized for me. However when I went to the bank, they stated they still need to investigate since my information did not match and eventually when my mom was permitted to travel ( she is currently in a XXXX ) by the doctor, we went to the branch near the XXXX, there they suggested she come in while she was out. The lady there said she would simply delete the incorrect information on the account for me. When she did this she put my correct information in and the " XXXX '' they use for new accounts rejected me because of low score, but they still will not honor the power of attorney document. This is a legal document and allows me to represent my mother and I see no reason why they can not abide by this. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have an Executive Global Banking Account at Citibank. 
In XXXX XXXX, trying to use internet banking, I note that my account was blocked without any notice. Since then, I have call the bank several times and they always tell me that my account manager will call me back, but she never calls. At XXXX XXXX I spoke with my account manager assistant, who told me that the bank was " evaluating '' my account and the will let me know the conclusion shortly. Since then, I have send several emails to my account manager and her assistant without any response, but every month the bank charges me the management fees to my savings even when I cant make any financial operation with my money. Literally, the are stealing my money. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I WAS GIVING A VISA DEBIT CARD WITH XXXX $ THE CARD DID NOT WORK I CALLED CUSTOMER SERVICE SHE Said TO READ THE XXXX DIGITS IN THE FRONT I TOLD HER THAT IM MISSING XXXX NUMBERS THEN SHE ASKED FOR THE NUMBER ON THE BACK GAVE IT TO HER SHE SAID YOU HAVE XXXX $ GO AHEAD AND USE IT THE CARD STILL DID NOT WORK I CALLED BACK THEY TOLD ME TO FAX A COPY OF THE FRONT AND BACK OF THE CARD I DID ONLY FOR THEM TO CALL ME AND TELL ME THE CARD HAS BEEN USED ALREADY NO EXPLANATION NOTHING 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response