AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I opened my account with Regions bank back in XXXX 2015. This is n't my only bank account I currently have XXXX XXXX XXXX and XXXX XXXX. Regions seems to the be the only headache and this why since I opened my account more than 6 months ago I have encountered over XXXX $ in overdraft fees. Till today I have had ENOUGH of it. On XXXX/XXXX/2015 around XXXX my account had a balance of negative XXXX XXXX dollars and change. So I went to the bank and deposited {$40.00} my balance was {$3.00} today in the morning I made a payment to XXXX XXXX XXXX of {$200.00} when I go to the bank to deposit the money I see that I have {$210.00} in NSF. From transactions that happened back on FRIDAY it 's TUESDAY. And okay I understand merchants take blah blah blah days to withdraw money from your account. But in my account it shows that these transactions ( 6 of them places like XXXX, etc. ) where posted XXXX/XXXX/2015 and that NSF was charged XXXX/XXXX/2015. REALLY? REALLY? REALLY? when I went to the bank at XXXX on XXXX XXXX, 2015 and your supposedly cut off hours are XXXX? 

My receipt printed with a {$3.00} POSITIVE BALANCE! 

These NSF are completely unfair, your online application completely and utterly sucks. 

So basically what I am trying to say is how if I went to the bank on Monday at XXXX and have a balance of {$3.00} I wake up with a NSF of XXXX in less than XXXX hours with out any warning that my account may be come over drafted, or ONE at least WARN ONCE before charging 6 over drafted fees. Regions shows you that you XXXX dollars left but not the pending transactions, like in this case I went to XXXX Friday @ XXXX and this showed up sometime Tuesday XXXX XXXX, 2015. 

I have called regions multiple of times, I have gone to the branch and until today that I got really mad no one was giving me answers like the famous " Opt-In over draft protection '' or explaining to me that the balance that I see on my phone is n't the correct balance that their might be missing transactions. And your own employee said that they only had regions for payroll, because quote on quote " You people are a mess '' The way I see it is regions does n't try to protect their customers from overdraft they do n't fully discloses ways to help you or add an over draft protection. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a phone call at my job about a think cash loan from 2011. The person told me that the debt had been charged off. He said he had a file related to my social security number and verified my date of birth. He proceeded to tell me that I am going to be sued for defrauding a bank and charged with writing a bad check. After asking me a series of questions, he then said did I want to pay the $ XXXX on my own or take it to court. I told him I could n't discuss it with him right now because I am at work. He asked for a number I could be reached at, I did n't give him one. I took his number XXXX XXXX. He told me he worked for Cooper, Hoffman, Klein and Associates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX. I did a XXXX search and saw that the phone number given was associated with a scam. I also did a XXXX search on the address and that law firm does n't come up for that address. 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt was from my identity being stolen I didnt open any account that resulted in this collection i have completed a police report which can be verified with the XXXX police @ XXXX report # XXXX and i have a notarized identity theft affidavit from ftc please remove this off of my credit and close my file ASAP 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt was from my identity being stolen I didnt open any account that resulted in this collection i have completed a police report which can be verified with the XXXX police @ XXXX report # XXXX and i have a notarized identity theft affidavit from ftc please remove this off of my credit and close my file ASAP 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Focus Receivables continues to make multiple robocalls each week to our home number for a debt that doesn't exist.  We have no unpaid debts with any company.
Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: The mortgage company sent us a letter of approval for a conditional short sale, then dropped the ball and wanted us to resubmit all paperwork. All documentation was presented in a timely fashion well before any deadlines. The mortgage agent told our sales agent that someone in the company had dropped the ball because of the XXXX of XXXX holiday, yet I received a denial letter stating the conditions of the sale were not met. The price offered was too little, yet was equal to the counter offer the mortgage company had demanded. My sales agent was shocked when I sent her a copy of the denial letter because it had the mortgage agent signature on it, not some other department. After many calls and emails the agent and her supervisor have not responded. All calls are suposed to be recorded, and we have documentation of all emails sent and received. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed with the XXXX major credit bureaus online, verbally, and in writing related to negative items I believe are erroneous reported on my credit report. I have disputed the account information as inaccurate with XXXX, XXXX, and XXXX to send information that verifies the debt has not been paid. How is this possible? Under the consumer laws, I 'm unable to get them to send me a detailed invoice related to the amounts I owe. It 's very confusing as a consumer to continue to receive letter from several different collection agencies requesting me to pay the same debt for different amounts. I have uploaded the letter received related to a debt with XXXX, that 's been paid and resolved. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I would say about 6 years ago maybe longer I messed up on a bank account XXXX for {$320.00}. I got contacted by the collection agency about 2 years ago and settled the acount to I think {$250.00} and paid it. Today I tried to open up with a credit union givin the fact I have had my bank account now in good standing for 2 years. They denied me for being in chexsystems for the account I had already paid off. I wish to have it marked as paid or settled or taken off or something becuase it is tarnishing my name. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a new Cadillac Escalade in XXXX of 2006 and took out a loan through GMAC. The loan was paid in full, see attached title and pink slip but Ally Financial,. who bought GMAC, is showing on my credit report an outstanding balance of {$4200.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an XXXX XXXX card through dillards. The orignial company that own this card was XXXX, and they have sold it to wells fargo. I have made all my payments on time up until XXXX, when I tried to activate my credit protection benefits and wells fargo the new owner of the card is telling me thy do n't offer that service but I paid every month on my statements for it. I ' experiencing a financial hardship in my life and need this beneift activated. I have called wells fargo and someone was suppose to get back to e regarding this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I keep getting a call from XXXX saying that they are representing Tier 1 Capital LLC and that they are going to send me a summons for failure to pay on a payday loan that I did not take out nor do I owe. He was trying to confirm other personal information. They are also calling my husband 's phone. 

The numbers they are using are:XXXX and XXXX. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have been engaged in a loan modification with bank of America for the past XXXX years. I feel I have been treated unfairly. For months chasing someone to follow up with only to find out they are reassigned or no longer with the bank, but then finally it seemed that we were on track. After filling the same paper work for the XXXX time submitting pay stubs bills etc. again and again finally the modification was approved. I received the conformation letter for the trial on XXXX XXXX 2015 and made the first payment on XXXX XXXX as instructed. Few weeks later the bank called to say that the approval was in error and we have to do it all over again so we did. Now it has been denied for reasons that I do not understand, I have complied with all they have requested, the house is scheduled to foreclose in one week on XXXX XXXX and am not sure what to do. It 's egregious to leave me with no option but to foreclose, while the house still has equity and I would have had more options if I knew this ca n't be accomplished three years ago. I have all the details and supporting documentation, its shows lack of knowledge, misinformation, and miscommunication. Please Help! 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2007 I was being treated for XXXX XXXX While I was undergoing treatment I had many health care providers in and out of my home I was also going through a divorce at the time.My credit cards were stolen and in some cases accounts were opened in my name without my consent. When I became aware of what was going on I called the creditors and requested they close the accounts. I filed a police report and gave information to the creditors as to whom I suspected at the time.In regards to my credit cards. The creditors began calling and demanding payments. Then they reported the accounts to collection agency 's miss reporting dates.I filed disputes with the credit reporting agency 's in some cases I paid for my reports.The debts would be sold and re reported by other collection agency 's in some instances the reporting agency would remove and item only to have it replaced on my credit file or report it to another reporting agency. I locked my credit file down with all the credit reporting agency 's After fighting this for several years I have become unable to resolve this problem it has caused be great hardship as I am on XXXX XXXX and I am unable to rent a place of my own or have utility 's in my name. I did not receive any benefit from the fraud or transactions that were made on my accounts without my knowledge or consent. I have Federal loans that have been discharged yet are still being reported as in collection The loans are XXXX by the XXXX XXXX XXXX XXXX acct # XXXX and are not in collection.I have been harassed by collection agency 's every time they sell the debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is an item I have disputed several times reflecting XXXX which the first date of delinquency has been past 7 years, the late payments reports every month balance, past due balance on this stated collection. There is nothing accurate about this account. I am requesting some assistance from your company 

Company response: Company chooses not to provide a public response
Consumer complaint: There is an item I have disputed several times reflecting XXXX Mortgage which the first date of delinquency has been past 7 years, the late payments reports every month balance, past due balance on this stated collection. There is nothing accurate about this account. I am requesting some assistance from your company 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a fraudulent transaction and I informed Best Buy regarding these XXXX transactions. Best Buy tried to charge me a {$25.00} late fee which they waived when I explained the situation with their credit specialist. I had my Best Buy Credit card stolen along with my visa card and reported it to the merchants in question. XXXX XXXX XXXXSocial Security XXXXBEST BUY/XXXX # XXXXXXXX XXXX XXXX, SD XXXXPhone number not availableDate Opened : XXXX : Individual AccountDate Updated : XXXX Received : $ XXXX Status : Current ; Paid or Paying asAgreedReport Created On : XXXX Number : XXXX XXXX of XXXX Type : Revolving AccountLoan Type : CHARGEACCOUNTLast Payment Made : XX/XX/XXXX Terms : Paid MonthlyDate Closed : XXXX Paid : XX/XX/XXXX & gt ; Maximum Delinquency of 30 days in XXXX for {$51.00} & lt ; High Balance : High balance of {$1100.00} from XXXX to XXXX ; {$1800.00} from XXXX to XXXX Limit : Credit limit of {$3000.00} from XXXX to XXXX : ACCOUNT CLOSED BY CONSUMER ; CLOSED 

Company response: Company chooses not to provide a public response
Consumer complaint: Since XXXX 2011 I send this collection company a certified letter requesting verification of the debt pursuant to Fair Debt Collection Practices Act 15 USC 1692g Section 809 ( b ). The company never responded and over the phone threatened to report negatively in my credit, which they have done since day one to this date. They have caused so much damage to me and my family with this bad credit markings, which arose another question as to private information, such as SSN, being public information. The property they are attempting to collect fees for was never legally mine and due to that I am not legally responsible for anything that happens with such property, thats just the law! I have tried numerous times to negotiate my release from any ties with them and even with certified documents that prove I was never the legal owner, they continue to harass me into paying or deal with their malicious consequences. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I purchased an apartment 7 years ago and I got a ballon mortgage. My mortgage was for {$180000.00} USD. Now I want to refinance my mortgage and the bank told me that I can not do that because now my apartment cost a lot less that when I bought it. I called the bank to request a mortgage modification, and they told me that the modification will affect my credit because, even though the account is up to date, that arrangement was not accorded when I first took the mortgage. What are my options? Is that even legal? 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I made a " Bill Pay '' payment to my Insurance company for XXXX ( XXXX ) policies, which Bank of America would not pay on the same date, and which BOA confirmed to me would be DELIVERED on XXXX XXXX and XXXX XXXX respectively. I accepted this arrangement even though this same situation happened six months earlier as well. The XXXX policy was indeed DELIVERED Electronically on XXXX XXXX to the Insurance company. Today, I called BOA as there was no indication that the XXXX policy was paid and was told that on XXXX XXXX a paper check was sent to the insurance company but it had not cleared and my account had not been debited. I firmly suspect that the BOA had sent a " paper check '' by postal mail, knowing full well that it would take several days to reach the insurance company, and in that time frame, the monies in my account were " floating '' for the express usage of BOA, thereby not out of the BOA system. I believe this is disgraceful and probably illegal, since an electronic transfer on XXXX XXXX ( as promised ) would have debited my account and funds would not be able to be used by BOA as it would be out of their system. Multiply this procedure taken by BOA by the XXXX of depositer 's at that bank and the interest gained by BOA is in the XXXX geared to their bottom line. I would not be making thjis complaint save for the fact that these Bill Pays were for Insurance Policies, which if not paid on time would be subject to cancellation of the insurance policies. The CFPB should require ALL Banks that provide " Bill Pay '' services to abide and live up to their promises especially when I have the BOA CONFIRMATION indicating DELIVERY by the respective dates, not SENDING but DELIVERY. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX original report {$2400.00}. This is a bill that is suppose to be paid through restitution from a XXXX case that is being handled through XXXX, New Hampshire court. The person has not made any payments toward the restitution and he has been in and out of prison since 2011. His probation officer is XXXXXXXXXXXX if you need to contact her. In the mean time I would like for this outstanding balance to not affect my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is NO way to contact the XXXX @ Experian to point out the error of their ways bytelephone! They have refused to Freeze my credit! I sent all three credit reporting agencies ( Certified/Return Receipt Requested ) all the documentation they requested for Identification AND copies of the Incident Report that the local police agency kindly provided when I had my driver 's license Lost / Misplaced / Stolen. 
Experian want me to resubmit ALL the exact same XXXX they 've already signed forAGAIN [ at My expense ]. 
XXXX and XXXX have already FROZEN my accounts and provided me with aFREE PIN number to UNFREEZE and REFREEZE my reports in perpetuity. 
FREE, FREE, FREE! 
Which is the whole point of going through MAILING the info to the Idiots. 
PAYING them to mismanage the " Credit Reporting '' Industry is Just Like XXXX ADDICTS!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015, I entered a debt relief program with XXXX XXXX XXXX. A POA signed by me was sent by XXXX to Umpqua Bank, one of my credit card creditors. Contact address and telephone number for XXXX was given to Umpqua. During XX/XX/XXXX, I was contacted at least XXXX times by ELAN, a company that represents Umpqua, and informed them that XXXX was handling the matter. In one call, the ELAN employee even gave the XXXX phone number to me, evidencing the fact that Umpqua had so informed them. After threatening a complaint to the FTC and AG, on XXXX XXXX, I received a call from XXXX XXXX, a supervisor at ELAN who promised I would receive no further calls. Despite that promise, and after giving him XXXX 's address and phone number, I received another call from ELAN on XXXX XXXX, and again today, XXXX XXXX, from an employee named XXXX. XXXX claimed they never got a POA from XXXX, although Umpqua, its principal certainly did. XXXX 's number at ELAN is ( XXXX ) XXXX, and address is Cardmember Services, Att'n : Support, XXXX XXXX XXXX, XXXX XXXX , MO XXXX. After speaking to XXXX, I called XXXX XXXX XXXX XXXX XXXX, and was told that ELAN did have their address and telephone number and had been contacted by XXXX and told they represented me. 

ELAN 's repeated calls to me are a clear violation of the Fair Debt Collection Practices Act. I am enrolled with XXXX because they have determined that I am eligible for the debt relief program in light of the hardship created in the last few years by the expenses for XXXX, XXXX XXXX, XXXX XXXX, my substantial drop off in income over the last XXXX years due to the economy. Yet ELAN apparently thinks it can harass me despite this program and the law. 

ELAN/Umpqua should be dealing with XXXX and they know it. I can only guess that they hope to harass me into dropping out of this compassionate program. Please investigate, and if you determine I am correct, fine or otherwise penalize them so that they will no longer do this to me or any other consumer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed a medical account on my Experian credit report XXXX/XXXX/XXXX and the account came by verified and I sent a certified letter on XX/XX/XXXX asking for verification of who they spoke with and methods used to verified and I received a credit report today stating the information is verified and remains unchanged. They did not provide me with who they spoke with or methods of verification. I contacted the hospital and I have receipt of the bill being paid and that it is not in collections. the credit reporting agency did not verify the information because the balance was paid to the hospital and the account is not in collections. if they verified the information they would not that it is incorrect and remove the collection agency from my report 

Company response: Company chooses not to provide a public response
Consumer complaint: I was modifying my mortgage loan with Carrington mortgage. The representative I was working with told me I had to stop making my mortgage payments in order to qualify for the remodification. I was told that the late payments would not be reported to the credit bureaus. I did so and the remodification went through. Several months later though I checked my credit and the lates had been reported and now my credit is suffering because of it. I 've contacted Carrington several times and they 've never called me back. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Transunion 's online XXXX step credit dispute does not work. 
I could n't progress beyond page XXXX because it would n't accept my numerical address. 
It asked for an '' alpha numerical '' number? 
I 'm going to write them, snail mail. It will take less time. 
I need to report that someone from XXXX XXXX reported it as my phone #. 
Also someone from XXXX, XXXX XXXX reported it as my phone #. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX and XXXX have failed to comply with the FAIR REPORTING ACT by not validating, correcting, or removing inaccurate reports. Trans Union in company with the same violation has not removed those reports after proof was sent. I am attaching proof of my 100 % accurate info and per the Fair REPORTING ACT, request that those items and collectors be removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: We are Regions Bank customers ; Account # XXXX. Last Saturday was the XXXX of the month, and Regions ' " Helpful '' FEE GENERATING SOFTWARE kicked in. 
Our Account was debited for 3 large Bill Payments to a. ) my Credit Union XXXX {$400.00} XXXX b. ) to my Electric Bill XXXX {$270.00} XXXX and c. ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX. 
Last year, each of these payments had been re-set by me, with the personal assistance of one of Regions ' associates, for after the XXXX of the month, howeverRegions ' FEE GENERATING SOFTWARE paid them early on XXXX XXXX. 
What 's more, NSF FEES have hit our account in the amount of {$100.00}. 
Today is XXXX XXXX, and while the {$400.00} payment debited by Regions on the XXXX, no such payment has been received by XXXX XXXX as of this moment!. 
In addition, XXXX XXXX XXXX has charged me {$27.00} for NSFs reloating to not having received the {$400.00} payment, debited last Friday!!! 

Company response: Company chooses not to provide a public response