AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Credit Collection Services XXXX XXXX XXXX, MA XXXX you call this XXXX ( XXXX ) XXXX and they ask for your number to access your account and then they hang up the phone. This happened to me twice when I called. Can something be done about this? 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I defaulted on a XXXX XXXX XXXX credit card because I did n't have enough income to pay it. They sold it to XXXX XXXX XXXX and for several years I paid $ XXXX/ month on it. Then the IRS, who is auditing our personal accounts, asked for verification of the debt and the interest charges along with the end of the year disclosure that they needed for verfication. I passed IRS 's request along to XXXX XXXX XXXX, and I never heard from him. No I am hearing from some company named XXXX ( sp? ). I can not understand their debt collectors. They have refused to give me any paper back up to what they are telling me. I asked them for the same information for the IRS and only receive more telephone calls. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently went though a divorce and was awarded the home. I called Bank of America to see what process I should take to remove my ex spouse from the home loan. I was informed that because I had no equity in the home that the only way to remove his name was do a home loan modification. I informed the representative that I am financial able to handle the note and did n't need to modify the payment. After talking to several representives they infirmed me that after the modification my ex name would be removed. While going through the process of modifing the loan. I was working with XXXX XXXX, who also informed me thay after modifying the loan my ex name would be removed. She also informed me to do a Quit Claim Deed.The following day I went down to court house and was informed that my ex had to file the Quit Claim Deed. I informed her of what I was told my the courts and she infirmed me to do the modification and his name would be removed. I did the modification to only find out that his name was not removed. I spoke with XXXX on several occations about this and she informed me to wait one year and do an assumption. I waited the year it and apply for the assumption and was denied. I called Bank of America and spoke to XXXX, XXXXr in the assumptions department. He apologized for the information that was relayed to me and informed that that under normal circumstances it will take one year for and assumption to take place ; but because of my situation I have to wait 2-4 years because I should 've assumed the loan and not modified it. I informed him that I did wait Bank of America representive told me to do to remove my ex name. Still it was n't anything that he could do to help. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I paid my daughters car off over 2 years ago. It was in my brothers name. He died XX/XX/2014. Then today they repossessed my car. She now does n't have a ride to college. My bank has the title. An they are sayin my bank did n't pay it off but they did. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: my daughter was ill 120 days behind on my payments - had the full amount to pay on the card for XXXX XXXX 2016 went to pay the full bill was put on hold. rep came back and said if i did not pay XXXX more that i would just incur fees after the payment was made. stated that was all i had - gave her my credit card numbers to pay the bill was put on hold again - she stated that she was trying to help me and she would be right back. came back and said that she wishes to charge my account off - i said no and further explained that i thought i had protection on the card the bill is due for XX/XX/XXXX and im paying it on XX/XX/XXXX so if your stating its an extra XXXX im paying until XX/XX/XXXX and then resuming my payments as my balance will be around XXXX remaining on hold again -she stated that its to late i charged off now. and that i need to pay XXXX dollars for the next XXXX months - i asked why and was told that that is my payoff - i said what did i spend on the card she said XXXX dollars which is impossible when i recieved the card it had a balance i had to pay - i had almost a XXXX XXXX dollar chargefrom the company. she said i was responsible for XXXX percent of the full bill. i never even recived a statement from this company - i said if your charging me off put it in writing i was told no and that this was a one time deal and if i did not do it now that it would not stand. i disconnected the call what company refuses to take your payments after agreeing to tells you whats in your best interests and then bullies you into an agreement to ruin your credit on purpose - i was paying and was allowed and then straight out told you are forced to charge off 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My mortgage was sold to Seneca Mortgage and I had no idea until over XXXX days after the closing. I 've researched my consumer rights it and I should 've been notified XXXX days prior to this occurring not XXXX days after. At that point there was no XXXX payments due and the new mortgage company changed my due date to almost XXXX weeks different than my prior due date. I have also asked them to only call my cell phone and not my office phone XXXX times now and they still have n't called my cell phone and only call my office. By far the most frustrating situation I 've ever been a part of and from my research they did n't follow the guidelines. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a former employee with a XXXX loan. When Ileft there was confusion with auto payments for my XXXX loan when I set up the new auto debit to keep payments happening from my personal account since they could not auto debit my paycheck any longer, by the time the payments started I was 2-3 payments behind and was receiving deliquency notices, On XXXX I went to the Citibank XXXX NY branch and obtained a bank check for the deliquency amount p'us the XXXX payment and mailed it to Citigroup Benefits Center following all the directions they provided to me on the notiice as it stated that if I did not pay by XXXX/XXXX/15 the funds would be devited from my XXXX and there would be tax implications, In XXXX I received another deliquency notice-when I called to inquire they stated that the payment of {$2200.00} had not been received, I called them almost daily from XXXX to XXXX and they said they could not locate the payment and was advised to put a stop on the check and have it reissued, I went to the XXXX branch on XXXXXXXXand went through the process to stop the check- signed the affidavit and Indemnity form- but since it was less than 90 days I was told the Citigroup Benefits Center also had to sign it- it was send to them on XXXX electroically by the branch. I called on XXXX and the Benefits Center confirmed they received the form but indicated they would not sign it as they do not sign " third party forms '' -- this is a stop payment form from the bank they are an agent for! I on those funds. I am simply asking they sign the affidavit to stop the check so I can have it reissued back TO THEM and resend the payment for theme to process -- Yesterday XXXX after talking to the 5th supervisor and them opening numerous investigations they told me " they can not sign the form that they have not received the check, but they clearly stated on the same call that they have not received the check. All calls are recorded by them as requried and can be heard that they refuse to assist in resolving this matter so my {$2200.00} can be applied back to my XXXX loan, I am not a deliquent payor, I have over {$400000.00} in my XXXX and I am attemoting to resolve a matter they created last XXXX when they did not set up my auto debits for 2-3 months for the payments to continue. I have no recorse at this point ... they just expect me to be out the {$2200.00} and absolve themselves from any responsibity to address the issue, it was mailed to them- they can not locate it and they refuse to sign a simple form that would allow it to be resisued and applied to my account, This {$2200.00} does not earn interest or benefits of the market increase until applied and as a result I am 1- losing money, 2- behind on payments and 3- at risk of taxable income as thr 90 days would be after I can place a stop on it without their signing the form. I need help and have no idea how to solve this, they just refuse to speak with me anymore 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid Credit Collection Services ( CCS ) for a delinquent payment to XXXX for {$310.00} on XXXX XXXX, 2015. The payment was processed and deducted from my account on XXXX XXXX, 2015. When I called CCS to inquire why the payment had not been reflected on my credit report they responded that they did not own the account at the time of payment, however, the check was cashed and processed by CCS. If they did not own the account, why did they cash the check nor inform me of this information. After writing to them, they have processed a refund check for the entire amount. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I called all three consumer reporting agencies about an erroneously reported item on the public records portion of my credit report. The item concerns an incomplete and incorrectly reported judgment from when I filed a countersuit against a landlord ( actually I attempted to file first and she beat me to it ) for improper withholding of a depost and an improper lease. I won the judgment in XXXX Co Special Civil Part - I have a copy of the judgment and a copy of the credit invoice to the plaintiff - a realtor. I spoke with a Indira in the XXXX XXXX Post Judgment Team - who confirms that the court records reflect XXXX XXXX the plaintiff as being held accountable for the judgment and that I won the judgment. Somehow the entity furnishing the information to XXXX, TransUnion, and XXXX has not been accurate and is not being held to any accountability for the accuracy of this report. I contacted all three credit agencies to include TransUnion. The Transunion website wo n't let me enter data - keeps coming up with an error message ( I have a copy ). The transunion online automated reporting system keeps hanging up on me - two hours I 've spent out of a busy day. I am a XXXX - the reason I was even in the aforementioned rental property - and I am trying to run my XXXX. I applied for a loan. My credit is fairly good - and could be great if there was not this GLARING inaccuracy on the reports. The credit reporting agencies have a very flippant and avoidant attitude towards this issue and other ones like it. We are held accountable through financial penalties for processes and issues which may or may not be accurate- while it seems the the agencies and their clients who are paid to report the information to them ARE NOT. This is hurting my credit score and my credibility in general. These are very trying times to start a business of ANY sort in the US and this has been an incredible drain to try to get this recognized and reported correctly. XXXX just has noted the matter as " settled '' on the report - also reflecting that I LOST the judgment. Transunion is not even letting me report it. And XXXX states it has to check with its private vendor of the information even though I sent in the statement of judgment from the court, from my lawyer, and a copy of the entire judgment received from XXXX County Special Civil Part for the docket in question. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a load with a company called navigator and they went out of business. then a company called flagship bought the account. I had some late payments in the past. I got back on track and made my payments on time. Now that I come to the end of the loan I asked how much I owed then I was told and was sent out that the total amount do is {$670.00} and my payments or current. Then I was told I owe XXXX the paper work shows that I had XXXX left as of XXXX/XXXX/2016 then reported me late to the credit burial. All I have left is XXXX payment. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I closed my account at Nevada State Bank in XXXX XXXX because I moved out of state. For some reason my bill pay was active and a payment was made from my bill pay in XXXX XXXX to XXXX XXXX for {$120.00} in which I no longer have their service. XXXX, XXXX core processor sent the payment to XXXX XXXX with no funds in the account because it was closed. XXXX has sent me XXXX letters in which I called them and explained the account was closed and they should not have issued the payment and they should get the funds back as I did not request the payment to be made. I received another letter XXXX/XXXX/XXXX from XXXX threatening to send me to collections if I do n't pay the debit by XXXX/XXXX/XXXX. XXXX should not have issued a payment with no funds in account they should have stopped it and I do not feel I should pay. If I have to assist with the return of the funds my time is valuable and they made the mistake. They said their system is set up to pay items even though no funds are in an account. They need a new system and that is their risk! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This complaint falls under ALL the above issues ... My Risk Management department called me regarding a call they received stating that I was going to be served at work. I in turn contacted the number left, and was told it was for a credit card that was charged off in 2011 and if I did not settle with her on the phone, she would have no choice to take me to court. When I asked for a validation letter, she referred me back to the original creditor and told me that they would be able to tell me who the debt was " sold to, and sold to again '' until I got right back to the lady I was talking to. She was willing to settle the debt over the phone, or take me to court and add on thousands of extra dollars in fees. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Continuous calls. Say searching for me. will contact family employers friends etc.to full extent of law. Do not identify debt. No paperwork or notification within 5 days. Of first call. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Hello, I have received a mail dated back to XXXX/XXXX/2013 for a debt collection of the amount of {$170.00} from the Bank of America. 

I was never aware or notified of this debt by the bank. I believe this to be an unfair practice as I have never been notified or warned that this unknown debt would be sent straight to the collection agency XXXX XXXX XXXX. 

Not once have the collectors contacted me about this debt I owe to the Bank of America and now I receive this mail stating that I owe a certain amount without any reason as to why. If this were true and they communicated with me in an appropriate manner, I would have payed this off immediately without hesitating as this would affect my credit immensely. 

Company response: Company chooses not to provide a public response
Consumer complaint: My loan was with Citifinancial it opened before XXXX XXXX but that was the balance then. I called continually to work something out with them. No one could find the loan and I would get transferred and cut off. It was an old charge off from my divorce at one time. I wanted to get it taken care of. the # then was XXXX address was XXXX XXXX XXXX XXXX XXXX sc XXXX. It was under my old last name XXXX XXXX XXXX. Now I am XXXX XXXX XXXX. after attempts I would get someone and they finally had me call XXXX and accepted {$4000.00} to dept, offer settlement and said they would forgive loan and mail me forms to file with my taxes. I talked to XXXX and her " boss '' on XXXX mail XXXX by end of month put the ck to citifinanceial acct XXXX and write that on envelope and check. address was the same as I wrote above. I still have copy of the check so I know it went through. I was to call and check in 10 days. No one could tell me anything and kept getting cut off. I checked my credit report and now I have a loan citifinancial opened XXXX XXXX and a XXXX XXXX citifinancial for XXXX. I do not know what to do. No one helps me and I even sent a long letter like this. HELP. XXXX XXXX XXXX. If I do not refinance my home in the next 2 years, I will lose it. Right now I ca n't because of this. my phone is XXXX address is XXXX XXXX XXXX XXXX mn XXXX email is XXXXXXXXXXXX. Please help me 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XXXX, I noticed XXXX fraudulent ATM withdrawals ( {$400.00} each ; total {$800.00} ) pending from my Citibank checking account. I immediately contacted the Fraud department to make a claim for XXXX unauthorized transactions. Because it was a Saturday, the Fraud dept. could not tell the exact location where the cash was taken. On Monday, XXXX XXXX, XXXX, those XXXX fraud transactions posted on my account showing funds withdrew from an ATM machine in XXXX, XXXX. I am physically located in XXXX XXXX, XXXX. I have no relatives in XXXX and have not made any trip there throughout my entire life. When I called to make a report on XXXX XXXX, XXXX, I told the fraud dept. that on XXXX XXXX, XXXX, I authorized my mother to withdraw only " XXXX XXXX dollars '' from an ATM located in XXXX XXXX, XXXX. The XXXX unauthorized transactions were withdrawn XXXX hours apart from that transaction which I did not authorize. I clearly made my statement however Citibank Fraud dept. has declined XXXX of the XXXX unauthorized transactions, stating that " I authorized the withdrawal of XXXX of them. '' This is what I learned from the Assistant Branch Manager at one of the branches in XXXX, XXXX on Monday, XXXX XXXX, XXXX. 
This is totally absurd and ridiculously where Citibank Fraud dept. has fraudulently stated that " I authorized it '' in order to deny refunding me {$400.00} plus the non-Citi ATM fee of {$2.00}. As of now, I am still waiting to see if I will get my remaining {$400.00} + {$2.00} back which I had to make another separate fraud claim on Monday, XXXX XXXX, XXXX. 
How could I positively authorize the withdrawals in XXXX XXXX when 1 ) I live in XXXX XXXX XXXX and the ATM card has been in my possession all the time, 2 ) I can not possibly make a 2-hr fly to XXXX, XXXX from XXXX XXXX, XXXX, and 3 ) I have no relatives in XXXX XXXX nor has ever made any trips there. 
I 've been with Citibank since XXXX and it 's a great disappointment to know how the Fraud dept. can carelessly accuse someone making an authorization where no basis or evidence was provided to the consumers. This is one of the example that Citibank Fraud dept. commits a " fraud '' themselves. This is the first time it ever happened to me and I 'd like the Consumer Financial Protection Bureau to know and take appropriate actions to protect consumers who may have ran into similar situations like myself. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: About three months ago I visited the website annualcreditreport.com to try and obtain my free credit report from experian. By law the credit bureau is supposed to give XXXX free credit report a year but after repeated attempts to try and receive a free credit report the experian bureau failed to do so for me. I was able to successfully obtain my XXXX yearly free report from XXXX and XXXX without any problems. I do n't understand why experian is violating the law. I only have a problem with the experian credit bureau obtaining my free credit report and to contact them it 's impossible on their website or when you call their is no operators you can speak to. I only want my free credit report that I legally have a right to receive. Again I had no problems obtaining my once a year free credit reports from XXXX and XXXX but I do n't know what is experians problem. 

Company response: Company chooses not to provide a public response
Consumer complaint: Trans Union continues to list a, " Bankruptcy '', on my credit report which in fact is not correct. Please view the screen shot of another agency and they report, " Never Have filed Bankruptcy ''. I have asked them to correct the listing Via their web portal, but appears that they are issuing auto robotic responses that state it has been confirmed. How can it be confirmed if it never happened? 

Also, I think the time of the listing is past the 7 year allotted time. I am trying to qualify for a home loan and this is seriously damaging my ability to be able to qualify and it is incorrect to start with. I greatly appreciate your efforts. 

This is the screen snip from the XXXX reporting agency that states that I have not Bankruptcies, and shows the only negative reporting item is a Lien that I am in the processing of settling, that is mine. 
Thank you again for your help. 

I will uploaded as a document to show this. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated 

Company response: Company believes it acted appropriately as authorized by contract or law