AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am currently in the process of obtaining a new home loan XXXX I disclosed to them that I filled for bankruptcy XX/XX/2013, and that at no time was my current home mortgage included in that bankruptcy. I continued to make timely payments throughout. The Bankruptcy has now been discharged and I am in the process of buying a new home. During the process of obtaining the new loan XXXX has found that the loan holder of my previous mortgage ( for which the property is now a rental and I still own it ) was not reporting my payments to the credit agencies and the agencies are reporting it as foreclosed. This is absolutely incorrect. I have asked that the loan holder ( Wells Fargo ) update this information to the credit agencies showing that I have made timely payments, and have remained current throughout the duration of the bankruptcy and afterwards. I have all supporting documents showing payment history and a letter from my XXXX Attorney stating that the mortgage was never included in the bankruptcy to begin with. After 6 weeks of back and forth with WF they say that they have removed the dispute, but they will not confirm this to the credit agencies. My new home is ready to move into, but I can not due to my information being erroneously reported to the credit agencies and WF 's unwillingness to help correct the matter. They insist that is up to the credit agencies. I am now 1 week homeless and no closer to closing on my new home. I need help in having this matter resolved in a speedy manner, please. 

Company response: Company chooses not to provide a public response
Consumer complaint: This complaint is in reference to case XXXX. Wells Fargo representative XXXX XXXX has been in contact with us via US Postal service asking for more time to address our concerns. He contacted us via U.S. Postal service twice. XXXX letter dated XXXX XXXX which we received on XXXX, and the second letter dated XXXX XXXX also received on XXXX. It asks for our patients while they research. We have no problem with an additional 60 days for answers to our concerns. Wells Fargo attorney, XXXX attorney XXXX XXXX has changed our foreclosure hearing to XXXX XXXX. 
We are requesting additional time to review Wells Fargo 's research. We require additional time from the requested time line Wells Fargo has requested to sign documents we do not understand. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX XXXX I helped my niece, XXXX XXXX, open an account at XXXX. After more than 15 years doing business in good faith with XXXX XXXX, in the year XXXX, the lender decided to write off the amount of {$1800.00} that she owed and hang it on my records at Experian. That person is not dead. She owns a home XXXX and is my understanding that, at this time, XXXX. 
Do I have to accept, as a cosigner that I was in XXXX, a write off debt in my records, if that person is still alive and well, owns a home, have bank account and can be easily reached by the lender? What do I have to do to get that debt, that is no mine, out of my records? 
I demand from Experian, to take that bad deb information off from my records and be aware that the debtor is XXXX XXXX, not me. I did no spend no even XXXX from that account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am in the process of refinancing my home loan. The previous lender sold my loan to XXXX XXXX. I have requested a " net escrow '' payoff from my new mortgage lender since XXXX XXXX, 2015. There have been several requests since then. I have called in and also faxed in a request several times, with no success. They keep sending me a regular payoff. I had {$2400.00} in my escrow account that was to be deducted from the payoff balance. They keep saying they have processed the request. Two weeks ago they sent out a payoff only showing a balance of {$1100.00} and the property taxes are n't due until next month. Last week I requested documentation that shows what happened to that money and have received no explanation. This delay has caused me to lose my rate lock and now rates have gone up, which is now costing me thousands of dollars in back end interest. 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it concerns, I had a credit card XXXX the balanced closed at {$1900.00} XXXX XXXX, XXXX .... Johnson Mark LLC. Picked up the debt. Affidavit of service served XXXX/XXXX/XXXX I did not get served this Affidavit. As a result a judgement was entered with out me knowing XXXX/XXXX/XXXX for {$3900.00} ... XXXX XXXX, XXXX {$2600.00} was stolen out of my account from Johnson Mark LLC. this account was for my VA Benefits from my military XXXX. XXXX the taking out of all my money from my account to the taking my VA Benefits money was wrong and illegal. Then they are saying i still owe {$1900.00} a total of {$4600.00}?? Last for over a year they did not report to the credit bureau 's XXXX that they had stole my VA benefit money/ which caused damage to my credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In attempting to refinance my student loans into a variable rate I was preliminarily approved at Lendkey. In order to proceed I had to acknowledge that I may be required to open an account and that my credit ( soft hit ) would be pulled to conditionally approve me and send to a lender that fit my criteria which I was fine with. Once my preliminary credit ( soft hit ) was run they sent me to the XXXX Credit Bureau out of XXXX XXXX. The XXXX XXXX XXXX ran my credit ( hard hit ), approved me and then sent me a link to open the account that was necessary. When clicking on the link it required that I either be a 1. employee, retiree, or family member of an XXXX XXXX XXXX XXXX, 2. Live, work, or go to school within Washington XXXX, or 3. Pay a membership fee to XXXX of the XXXX organizations that they support. When I called XXXX they stated that a person should not be really referred to them unless I met criteria XXXX or XXXX. While I was willing to open an account and keep a minimum balance or otherwise I was not willing to pay a membership fee to join the credit union to have an account when the purpose of the loan was to save money each month not to turn around and pay it back out to an organization. When I contacted Lendkey back they stated that they do not in any way monitor the requirements to open an account for the credit unions they work with and could not send me to another lender since I wanted a variable rate XXXX was the only one that qualified. If I did n't qualify for an account at the places I was eligible ( AgFed the only XXXX in this case ) and if additional fees to get an account would be required then this should have been disclosed upfront since I would n't have agreed to it early on and would have withdrawn my application on my own prior to my credit bureau ( hard hit ) being pulled. Since my credit had been pulled my score has thus dropped because of the inquiry. Therefore Lendkey misled me as a consumer and had no other options when the only credit union they could send me to was going to cost additional fees. They said if I was n't willing to proceed they would withdraw my application which of course they did after I said I was n't willing to pay fees to an organization I was n't interested in. 

Company response: Company believes complaint relates to a discontinued policy or procedure
Consumer complaint: HelloMy name is XXXX XXXX XXXX XXXX. I have submitted documentation to the BB @ T escrow dept XXXX to adjust my taxes and they still continue to refused to do so. 

The first time they wanted me to write a detail letter of why I was disable. ( this violate the health care privacy act ). When I told them I was n't going to give them this information they said they could not guarantee my form being processed. 
For the second time today I spoke with XXXX XXXX and I explained to her again that I was XXXX Total and Permanent and that I needed my taxes adjusted. SHE REFUSED TO DO SO.. 
BB @ T keeps asking for the same documentation that I have already sent them and then they say that it is n't sufficient. 
I spoke with the XXXX County Tax Collector Office and I was told that the document they provided me is what needed to make such adjustment. 
I was also told that the XXXX County Tax Collector 's Office that Banks in general were giving disable VETS a hard time in accepting this form that shows their tax information. 
I think someone should look at this issue. No Veterans should have to endure this kind of abuse from any institution. 

This is n't just for me but for every Veteran up there that has to deal with abuse and non sense daily. 

Included is the documentation that has been fax to them XXXX since XXXX with no positive result. 

Ps This directly violates Federal Law found in the Federal Registry Of Regulation. 

Please get the word out. I know I am not the only dealing with this abuse. 

Thank YouXXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX credit card accounts with Bank of America. This is second complaint. Some months ago I complained that BOFA is texting me and calling me at my work on a do not call line. I mailed to them several times to do not call my number. I put requests online to stop their XXXX office from harassing me which is illegal. They also call from blocked number. This harms my work and is very upsetting. Bank of America does not respect my privacy. Texting costs me money 

Company response: Company chooses not to provide a public response
Consumer complaint: Green Tree Services had excepted a payment in full and left with just about nothing. Yet they still have a negative on my credit report. XXXX XXXX was going to give me XXXX funds to relocate and XXXX decided they did not want this considering they were not going to get their full payment. So I was forced to settle for XXXX, not once did I have anyone come to my defense in order to get me what could have gone a long way. Malicious acts from those who have power. On top of not giving me the funds, I am stuck with a negative on my credit report till 2020. Some justice. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: On XXXX XXXX, 2015 I received a letter from XXXX XXXX threatening to garnish my wages if I did n't make payment arrangements to settle an old account, {$5500.00}. I spoke to XXXX XXXX, account manager, of XXXX XXXX , XXXX and he informed me that I needed to pay XXXX % before I could make any arrangements. I said I did n't have that amount of money and he insisted I contact my bank, or another bank, and request a debt consolidation loan ; failure to do so would require them to garnish my wages. My credit report shows this account as closed, owning XXXX. I contacted legal services and told to contact you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX 2015 I received a collections notice from " Bay Area Credit Service '' - I had no idea what it was for so I sent a FAX requesting more information, such as to whom the money was owed and for what ... .. I then set it aside to await a response and if none received intended to turn it over to the police as mail " phishing scam ''. 
On XXXX/XXXX/15, I had still received no response so I decided to attempt calling them before reporting it to the police. It turns out that the debt was a valid medical debt however, the provider failed to send me a bill and in speaking with the original service provider ( XXXX XXXX XXXX - XXXX, CA ), it turns out they had the secondary insurance information all along and simply failed to bill them either. Additionally, they advised that they had a different address but this has been the address for years and was also the address where the service was provided. The first person I spoke with said they attempted phone contact but they did not and when I mentioned that to the supervisor, she did not indicate that any attempt to contact by telephone was made. The hospital and physicians who provided treatment related to this injury all have the correct information and were all paid in full within weeks of service. 
My concern is that this type of business practice damages a person 's credit - especially when the 'debtor ' would have been and still is more than willing and able to pay any uncovered expenses. 
After two hours of phone calls and speaking with a supervisor, I was told they would forward the information to the collection agency and request that it not be reported to credit agencies. I explained that I was comfortable sharing any more information with any collection agency and again requested that they pull it out of collections, bill the secondary insurance and then, if any monies were owed, bill me for the remainder. 
The supervisor at XXXX XXXX XXXX was unfamiliar with the procedure to pull back any accounts sold to collections but will look into it and phone me back in two days. Even if I am successful in pressuring them to do the right thing, it is clear that correcting mistakes is not a standard policy or practice for this provider. 
Is there a law in place protecting people from such damaging business practices? if not, there should be. I did read that the collections agency is required to give you the original provider 's information such as the name and contact information and that was not done upon receipt of my FAXED inquiry in XXXX 2015 and when I spoke with them today, they gave me the name but refused to give me the contact information for the provider ( I found it myself online ). 
Additionally, the practice of 'selling ' accounts due at a reduced rate when they are in fact able to collect through standard billing methods, only serves to further increase the already inflated cost of medical care - making it increasingly difficult for average citizens to obtain and pay for needed medical care. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Good Evening, Hi my name is XXXX XXXX, I leased apartment # XXXX through XX/XX/2015-XX/XX/2015 at XXXX XXXX in XXXX , Texas . I tried to apply at XXXX XXXX in XXXX XXXX, Texas and was informed that I had a broken lease from XXXX XXXX XXXX after investigating this what I found out. 


I gave a 30 day notice to XXXX XXXX XXXX XXXX/XXXX/2015 after I gave my notice I looked into a XXXX bed room unit at XXXX XXXX XXXX and gave them a {$150.00} transfer fee XX/XX/XXXX, before my move out date XXXX/XXXX/2015 I contacted XXXX and informed XXXX ( manager ) that I can not move into the XXXX bedroom XXXX ( manager ) then advised me ( XXXX ) that I would not get my {$150.00} back if I decided that I did n't want the apartment. I moved out of my apartment XXXX/XXXX/2015 as I was supposed to do. XXXX XXXX XXXX is now telling me that I have a broken lease because I did not give them a second 30 day notice. XXXX XXXX XXXX kept my money like they stated but then charged me {$550.00} for Insufficient Notice. I do n't see the reason to give another 30 day notice. There is no way that could work because based off that 1st 30 day notice you all could actually lease that XXXX bed room. I never filled out a lease or anything for that XXXX bed room. At this point I do n't think I was supposed to be charged XXXX for Insufficient Notice, because I strongly believe it 's not right, especially if I never signed any documents stating on that XXXX bed room. 

I contacted the collection agency and they refuse to get the issue resolved correctly. The collection agency stated the collection is valid even though I have evidence showing that it is fraud. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In receipt of the last reported correspondence from Wells Fargo Home Mortgage and my calling today and speaking directly with XXXX XXXX / XXXX XXXX. The goal today was to inform Wells Fargo Home Mortgage of a deposit of {$300.00} to be applied with unapplied funds that sat in my mortgage account since my last deposits of {$1100.00}, {$490.00}, {$820.00} on XX/XX/XXXX. It is said that unapplied funds of {$540.00} also sat in my account since XX/XX/XXXX and has not been applied to my mortgage account. When speaking to XXXX XXXX she made mention that she would forward my correspondence to my point of contact, whom I requested not contact me by phone and also to assign a new point of contact directly by email to CFPB and the President and CEO of Wells Fargo. All correspondence will now take place via email, due to the unprofessionalism, combative, passive aggressive and lack of knowledge displayed by XXXX XXXX. As of today, I have received correspondence stating that the requests I made in previous correspondence be answered by XX/XX/XXXX. As we embark into a new year, my goal is to resolve any and all confusion caused by the lack of concern by untrained representatives. I again request knowledgeable, professional representatives whom will respect my wishes and concerns. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a Sears account a few years ago to reestablish my credit. I received a letter from them dated XXXX/XXXX/15 informing me that they were not renewing my account after the due date. In the letter it states twice in the letter information from my credit report. It states their decision was based on a credit system that assigned a numerical value to various item on your account and credit report. After providing the details with the credit bureau contact info it states, Please note, other than providing information, the reporting agency played no part in or decision, that is not true. I spoke with XXXX today who informed me that the did a soft inquiry on my account to review my credit. During the month of XXXX 2015 I had a XXXX balance. Sears and Citibank bank were not truthful in providing the reason as to why they were not renewing my card. If the credit bureau info was not a factor why was it on the letter twice? My credit history should not have been a determining factor with my Sears account. My history with Sears ONLY should have only been reviewed. 

Company response: Company chooses not to provide a public response
Consumer complaint: First Associates XXXX XXXX continues to indicate I owe a debt to them ; however, they continue to refuse to communicate anything with me when I call to get them to verify the information. I never opened an account with First Associates or XXXX XXXX, and that account needs to be removed from my consumer report ( s ). 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Focus Receivable Management continues to call our home saying they are a debt collector and we must call them. We do not have any outstanding delinquent debt. I have checked their website and this company appears to be fraudulent. They call us every day. Please do something to make them stop calling innocent people. I 'm sure by the reviews I read that they have used scare tactics and should be reprimanded for their actions. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have a Mortgage with WJ Bradley mortgage company. Everything was fine until they switched to a new company to process their payments. Every since the change I have had nothing but problems. They are rude on the phone, they do not keep accurate records, they say they there is no record of talking to us etc. The big problem is they do not process my auto payment so they can charge late fee 's. I work out of the country and every one of my bills is paid on time with automatic payments. They are ether incompetent or thieves or both. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: On XXXX XXXX XXXX, XXXX XXXX XXXX was returned to XXXX XXXX XXXX XXXX used car department of XXXX, Tx. This was a voluntary owner surrender of motor vehicleto lien holder Chase Financial Services Inc. where vehicle was originally purchased XXXX XXXX XXXX. As owner of XXXX XXXX I could no longer afford the monthly payments of {$490.00} per month, since retiring XXXX XXXX, and now currently drawing Social Security. Since returning vehicle to dealership, I have received numerous calls from Chase Financialservices in their unorthodox attempt at renegotiating another contract on the same vehiclefor which is totally unaffordable according to the in-house financing requirements they would have consumer expected to pay. On XXXX XXXX I received a phone call fromChase Financial Services again about XXXX yet this call was threatening and belligerent in nature from a manager within that organization. Under his terms if I did n't accept taking the XXXX back I would be subject to having my XXXX wages garnished by their dealership. I can consider this harassment and unethical practice towards consumer who no longer wants and can not afford dealing with Chase Financial Services Inc. especially after such a belligerent conversation from their management staff. As a XXXX XXXX Worth consumer and a XXXX Veteran I will certainly never do business again with Chase Financial Services. The rates for their used vehicles are tremendously over blown for any market financing, and unethical staffing does n't help theirrating in the community of XXXX. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: SOUTHWEST CREDIT KEEPS CALLING MY CELL AND PARENTS PHONE IN VIOLATION TCPA, THESE ARE ROBO CALLS AND HAVE VOICE AND CALLING LOGS ETC.. 7 CALLS IN 3 DAYS 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I got a loan for {$300.00} with Sunset finance in XXXX, GA. They have called me after I got the loan and told me I owe {$700.00} for the {$300.00} borrowed. This was not in the contract and also they signed me up for a car towing assistance program that was not in the terms of the loan. I have paid on time and I feel like they are taking advantage of me and charging me fees that are illegal. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Since XXXX of XXXX, no one at SLS 's Customer Care XXXX number will speak with me regarding my account ( see attached examples ). I demand to speak with someone IMMEDIATLEY to review all the misc charges posted to my account in XXXX and XXXX and to review my account payment history line item by line item. According to my records, I show a positive in my escrow account up and through XXXX/XXXX/XXXX. SLS shows a negative. Until I can speak with someone at SLS and review everything since XXXX XXXX, I will NOT pay anything in addition to the {$1300.00} I 'm currenlty paying. SLS has refuses to be transparent and my account is being mismanaged. Per my discussions with XXXX XXXX, SLS has the ability to remove my Escrow Account but refuses to. 

Company response: Company chooses not to provide a public response