AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: All ( XXXX ) Credit Reporting Bureaus are reporting the closed XXXX Account as a Repossession. The fact of the matter is, I paid off the entirety of this loan in advance of the maturity date and I hold the title and lien release to the vehicle. No Repossession ever occurred yet after XXXX CFPB complaints with XXXX and these XXXX complaints - XXXX for each credit reporting bureaus, they can not accurately report the " correct '' status and would rather ruin someone 's credit score than do their " due diligence '' 

Company response: Company chooses not to provide a public response
Consumer complaint: Upon reviewing a XXXX XXXX credit report pulled for the purposes of refinancing my home, I discovered several " new '' entries of supposed trade line disputes. I have successfully had all but XXXX of them removed. ALLY continues to refuse to work with me or prove to me that I initiated a dispute with their company. I have no reason to dispute this account as it is paid on time and has never been late. I did receive a letter of good standing on XXXX/XXXX/XXXX, but it did not specifically state that " the account was not in dispute ''. I have asked repeatedly for these simple words to be added to the letter, so that I can present it to the loan underwriters and continue with the loan process. This action by ALLY violates FCRA in that the company is blatantly reporting false information that is causing me harm. As of XXXX/XXXX/XXXX, XXXX of the XXXX CRAs are still reporting this, I initiated an investigation with XXXX and they quickly removed the erroneous dispute remarks. Both XXXX and XXXX indicate that the Creditor, ALLY is the source of the erroneous information. If it can be cleared up with XXXX, why is it still showing up on XXXX and XXXX? 

Company response: Company chooses not to provide a public response
Consumer complaint: The mortgage company sent me a new escrow account disclosure statement indicating I owed a certain escrow amount and I have protested the amount because the homeowner 's insurance amount is larger than the insurance company 's quote to me. I am exempt from paying property taxes in my state because of my XXXX XXXX. Last year I refinanced my mortgage with this company. They received all of the paper work and submitted an escrow amount that was not correct and sent a check to the County where I reside. The County sent the check back to the mortgage company and explained that I was exempt from paying property taxes and their escrow amount was incorrect. My mortgage amount is scheduled to increase to reflect the incorrect insurance amount and property tax amount. I have spoken to at least XXXX representatives for this company and they all tell me something different. I was scheduled to get a call from them yesterday but never received a call from a supervisor. I have never missed a payment or been late. I will pay them the amount that is the proper mortgage payment instead of what they are requesting I pay because their amount is incorrect. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have just started with Clear One Advantage and they had told to stop taking my creditors call or to tell them I am working with the company. I was at the end of my ropes and considering bankruptcy. I got in touch with them. All I am want is to be debt free and in to deeper debt. I do n't want to be scammed out of my hard earned money. I have only paid them one month. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: We applied for a mortgage with Wells Fargo last XXXX with XXXX XXXX. During the process, they sent out an appraisor, XXXX XXXX, who as per XXXX XXXX at Wells Fargo has been appraising homes in our area for over 20 years and is one of the best in the area. XXXX XXXX assessed our home at XXXX. On the day we were supposed to close on the initial application, XXXX XXXX, our agent at the time, sent me a text message stating that they would not be able to do it until they did another appraisal. Another appraiser came to our home for approximately 10 minutes. During this time, she neglected to go through the entire house - including our XXXX square foot basement which includes a XXXX kitchen, sauna, XXXX bathrooms, bedroom, excercise room, office, living room and leisure room. She was extremely rude and obnoxious to my wife and left after looking at a small portion of the house. She then appraised the house for XXXX, citing things about the house that were factually inaccurate. We recently attempted to refinance again with a different agent, XXXX explained to me that they could use the original appraisal of XXXX and the only thing required was that the appraiser ( XXXX XXXX ) return to the home ( it was in construction during initial appraisal, ) to confirm that the home had not reduced in value. The appraiser did so, and we received a copy of her report stating that the home was in fact worth XXXX and that it had not reduced in value. We submitted all required paperwork and were preparing to close when XXXX XXXX informed me that they would not be able to do the loan in that amount due to a second appraisal, which did not happen as we were never contacted nor visited by an XXXX. I asked why they were using that value, based on the incomplete, therefore inaccurate appraisal, over the more thourough appraisal ( again, completed by one of the most relable, accurate appraisors in the area as per XXXX . XXXX. ) She said she did n't know and recommended I escalate the question, which I did. I received a phone call on XX/XX/XXXX at approximately XXXX from a XXXX XXXX, who can be reached at XXXX XXXX. XXXX XXXX explained to me that they determined the lessor amount was more accurate. I asked him who came to that determination and he explained that it was done by a vendor and that it is therefore out of Wells Fargo 's hands. I asked him for the name and contact information of the vendor who came to that determination and he said he did not have that information. I asked him to get me the information by XXXX on XX/XX/XXXX. I stated that if I was not given that information by that time, I would be contacting my attorney, which I plan to do. Thank you for your time 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received many calls from Financial Credit Network. 

I spoke to someone there on XXXX XXXX, 2016, she wanted me to disclose my SSN and I would not, she went on to tell me I owed over {$700.00} and if I wanted to pay via my XXXX that day. I advised that I dispute the validity of the debt and to not contact me again. I have yet to receive the FDCPA notice from them. 

I advised them of my dispute, and this dispute has n't been updated to the credit bureaus, violating the FCRA. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My wife paid her credit card account out around XX/XX/XXXX. or XX/XX/XXXX. The credit card company end up pulling a payment, and posted on XXXX XXXX, 2015. Then come to find out that one of our credit card had gotten lost or stolen, some between the time that the credit card was paid out there was fraudulently active on XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had XXXX large automatic drafts occur unexpectedly over a holiday weekend, this caused my account to not have sufficient funds available for swipes that occurred over the holiday weekend ( XXXX ) .I called the bank immediately after realizing the situation and plead my case asking for leniency and help with reversing some of the $ XXXX in overdraft fees alone. explained that I have been a customer at this bank ( regions ) for over 13 years and needed some assistance due to my financial situation. I then spent the next week making frantic transfers anytime my account was in danger of being overdrawn only to get hit with XXXX more overdraft fees when the sequencing of posting was off by who knows what. again I called the bank to try and determine what happened once again plead my case and ask for leniency to no avail. 

Company response: Company chooses not to provide a public response
Consumer complaint: Yesterday I received in the U.S. Mail a letter from " TransUnion '' credit bureau that still had under " Adverse Accounts '' a debt collection agency by the name of " Enhanced Recovery Company '' ; XXXX. XXXX XXXX ; XXXX, FL ; XXXX ; XXXX. Under the " Original Creditor '' space it states : " XXXX XXXX. for $ XXXX. '' I have always had " XXXX XXXX XXXX XXXX. '' for the last 22 years. So I am the victim of Identity Theft with this false " XXXX XXXX. '' debt. I called up " TransUnion '' and they still refused to " Delete '' this Identity Theft entry. 

Company response: Company chooses not to provide a public response
Consumer complaint: We submitted a contract for a short sale to Ditech early XXXX 2015 and after close to 4 months of attempting to get someone to work on the file we submitted a complaint to CFPB and was finally contacted by Ditech and they escalated the file to be worked on. We received an approval for the Short Sale on XXXX XXXX. By this time the buyer decided to walk after waiting too long and extreme deterioration of the property. We put the property back on the market and received another offer ( same as the previous ) and submitted it with new paperwork all over again. Since we have submitted the package, no one will respond in reference to status or as to whether or not anymore documents are needed. I have sent email everyday for the past 2 weeks and called but to no avail. This is just the most frustrating process with this particular bank and it just never ends!!!!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: some one used my social securty number to open utility accounts now i can not create social security account 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have repeatedly told Wells Fargo Dealer Services that they can only contact us via mail or XXXX phone number. They have violated this notice on 3 separate occasions, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16. XXXX XXXX XXXX, a supervisor, has no explanation of why they continue to violate federal law. Wells Fargo has been told to only contact us at our home number of ( XXXX ) XXXX, however, they continue to harass us and contact me at work and on my cell phone. They have contacted me 3 different times at a phone number not authorized for contact. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I put my money in XXXX XXXX XXXX XXXX. in XXXX XXXX, Mo., when XXXX XXXX was the president than he and my money was transferred to XXXX XXXX in XXXX XXXX Mo., where XXXX XXXX was also the Banks President. Now my money ( XXXX dollars ) and XXXX XXXX has disappeared. my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX 
XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: my personal information was used without my consent 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The Us Bank operations ctr. XXXX XXXX mn. XXXX, Phone : XXXX have a report on my chexsystems record saying that possible false information used in opening an account. I used my proper and legal identification opening this account. The U.S. bank closed my account and took the funds I had in my account 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was admitted to XXXX XXXX XXXX XXXX back in XXXX XXXX. A few months went by and I received a letter from CMRE Financial Services, which is a debt collector. Turns out that the Emergency Room put me down as having XXXX XXXX insurance rather than the insurance I had which was XXXX XXXX XXXX XXXX. The Hospital portion was paid through my insurance however, the physicians bill has not been paid yet. I have been dealing with the collections agent since XXXX or XXXX XXXX and the status has still been the same : " we are billing your insurance ''. I have XXXX inquiries on my credit until this issue arose and I am trying to work with the collection agency to try and resolve this problem however no one is willing to help. I dont understand why it is in the same status and every time I call they tell me the same thing " we are working on it and we are billing your insurance ''. I tried calling the hospitals billing department and they said they could n't help because it is not with the collections agency. I tried calling my insurance and they cant do anything until the collections agency sends them a bill. I am very frustrated at this situation and I am reaching out for help. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XXXX I received a letter from Macy 's credit card saying that I had a past due bill. I always make on-time payments and so was surprised to get this notice. I had not received a bill from them. I have always received e-bills in the past and have not changed my email address. I followed the usual procedure that I have in the past to access bills online but was unable to access a bill. 

On XXXX XXXX, XXXX I called the number on the letter and was told I owed {$300.00} for charges made on XXXX XXXX, XXXX. This included {$160.00} in charges for merchandise purchased and the remainder in late fees and interest charges. I paid the {$160.00} immediately and asked that the late fees and interest be refunded since I had not received a bill for the {$160.00} in charges or instructions for how to make a payment. I was told that they could refund {$74.00} in late fees now but that I would have to call back in 3-5 days to have the additional {$64.00} in late fees and {$7.00} in interest refunded. I will do so but have a number of concerns : 1. It was never explained to me why I did n't receive a bill when I have received e-bills in the past, and as I said above, I have not changed my email address. I 'm concerned that other people may be similarly affected by this. 
2. I 'm concerned that there may be negative information listed on my credit report as a result of this incident and would like to be assured that all negative information will be removed since I should not be held responsible for any late payments because I never received a bill. 
3. I also want to be assured that all fees and interest will be refunded to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX I received a letter stating " Green Tree Servicing LLC and DiTech Mortgage Corp will combine to form DiTech Financial LLC, known as ditech, a XXXX XXXX, effective XXXX XXXX, 2015. '' In XXXX 2015, DiTech sent me a notice of default. However, since XXXX 2015 I have been trying to provide the documents DiTech requested to approve a loan modification. It has taken DiTech almost 4 months to accept all of my documents and approve me for a loan modification. I have now been waiting over a month for DiTech Representaive XXXX XXXX XXXX to forward me an overnight envelope with the loan modification doccuments for me to sign. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A company called XXXX was trying to charge me on a cancelled service. I tried to contact them few times and was told for a refund, but was never processed, so I contacted my credit card company which is XXXX. XXXX then stepped in and contacted XXXX. Everything was taken care but months later, XXXX filed a collection through Nationwide Credit Inc . I 've been trying to contact Nationwide Credit Inc for the past weeks, but they removed my online access, never picked up my phone, never returned my voicemail. What can I do? XXXX should 've spoke up when XXXX contacted them, but they did n't. They instead file me a collection, and the collection company does n't care to contact me at all. XXXX already wasted me a LOT of time. How come I 'm the person that has to waste my time to deal with XXXX 's mess. I ca n't just let them kill my credit and steal my money. Is there anything I can do? Thanks. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America Home Loans Collection division is harassing me for a second mortgage that was discharged in a bankruptcy on XXXX XXXX, XXXX. The house foreclosure papers were delivered to us on approximately, XXXX XXXX, XXXX. 
I have given Bank of America this information over and over again. Once I give them the information the calls stop for a day or two but then they start again. There are times they call 3 times a day. 
Sometimes I answer the phone and immediately hang up. Sometimes I ignore it. I do not owe them any money and have exhausted everything I know to do to make them stop harassing me, short of rehiring my bankruptcy lawyer, which I can not afford at this point. 
I hope you can help. 
Sincerely, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: MY XXXX ACCOUNT IS PAID IN FULL PLEASE REMOVED FROM MY HARD CREDIT INQUIRY THANK YOU 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Stearns Lending LLC took over my mortgage from XXXX in XXXX 2015. On XXXX XXXX 2015 my loan balance was {$250000.00} and aI sent a wire in the amount of {$240000.00} leaving a balance of {$15000.00} on the mortgage. Today I called the service rep at Stearns lending - expecting that my payments would be reduced significantly commensurate with the pay down. Instead the Supervisor XXXX XXXX in Custom Service said my payments would continue to be {$1700.00} per mo as they were before the PAY Down - saying further that {$1000.00} f that would be interest. These does not smell right or seems right to me. At all. 

Further she went on to demand that i pay {$300.00} for a RECALC fee - in ordere for themn to reduce the paymemnt amount. {$300.00} fee on a $ XXXX balance - which I could easily pay off today - seems ridiculous - esoecially in light of the large pay down I just made and seems userious and FEE Execessive. The interest demand of {$1000.00} can not possible be justified on teh {$15000.00} balance at 3 % interest rate. 

My intent is not to drag out this mortgage more by to pay it off within a few months as a matter of convenience. I do dnot expect to pay a {$300.00} reclalc fee and beieve this violates Federal Law and the large Interest payment demand of {$1000.00} seems usurios and excessive and wrong and ust vilate many federal Lending laws - and if they are treating me this way with the excessive feeds and interest after such a huge Pay down - they must be also doing this to many XXXX of naive consumers as well This is wrong. There should be no fee for any recaclulation and the payments should automatically be adjusted at 3 % on the balance remaining. 

I believe Stearns Lending LLC is in violation of Federal laws here and abusing COnsumer Lending practices. Stearns ending XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2016, I received a letter from " Bank of America '' stating as follows : " After a careful review, we 've made a decision to close your account above ''. This was a total surprise for me. 
I have had XXXX accounts with Bank of America for over 10 years ; XXXX business accounts, XXXX saving accounts and XXXX personal checking accounts. 
I called the bank to find out what it was ; I received nothing but rude answers that the bank has the right to close the account. I called the back office business support ; they said they had no idea why it happened. My accounts were never overdrawn, I never wrote a bad check, I kept a total balance that was for the most time at XXXX figures. I have a perfect credit with recent score of over XXXX. 
I can only conclude that my information ( and others ) at the bank was compromised, and the bank in order to avoid any liability asks to close the account. Or alternatively, the type of accounts that as agreed pays almost no fees may not profitable to the bank. I can not find any other conceivable reason. 
I am seeking help to force the bank to give me the reason for the closure of my accounts. 
Upon search on the internet, I found out that there numerous people with similar situation, where Bank of America took the liberty to close their accounts without a given reason. 
I am open to show all my bank statements, with all transactions, and all supporting documents for any underlying transactions that took place in my account. 
I think this issue should be presented to all State authorities that regulate banks in my case the State of Florida, as well as government agencies. 
Thanks 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I currently have XXXX private student loans which were sold to debt collection agencies. The first loan has sent me an invoice with what I owe, total interest, a breakdown of monthly payments due, and when my loan will be paid off. The second loan is with an unregulated debt collection office called Gaba Law Corporation. The only actual lawyer there is the owner and the XXXX people I have dealt with are not lawyers. When I ask them for info on what interest will be charged and how much interest I have paid up to date, they do not give me straight answers. The person who handles my file is very short with me and instead of giving clear info like how much interest I paid for the month or by when my loan will be paid off, he sends me short, irritated emails with vague information. In XXXX my balance was {$7200.00} and I have since paid {$470.00}. My balance is now {$7000.00}. Only 40 % of my money went to principal. 
My other debt has charged me 10 % for the total amount owed annually, so it 's a set amount for the year and I make monthly payments which lowers the principal substantially. Gaga Law Corp. charges this 10 % interest per day, and changes the amount every single day so I can never keep up with what I have paid and what I owe. As far as i 'm concerned with what I can afford to pay them I 'll be paying them for countless years considering the amount of interest I am being charged. I have emails proving all of this information above showing the vague, unhelpful, rude emails they send me when I ask for simple information. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: FHA Loan-short sale, FHA requires that I am late on my mortgage payment to be considered for a short sale. 
Due to medical issues, job change and increase in expenses ( due to XXXX issues ) our family experienced a hardship and was forced into a short sale and in order to be considered for a short sale FHA requires us to be late on mortgage payment please see attached FHA bulletin stating it is a requirement to be late on my mortgage payment. I am unable to secure a loan now when my family is more financially viable. I am being discriminated against due to a government requirement to be late on my payments. It is imperative we are able to secure a new loan to move forward with our lives and maintain a standard of living after going through a hardship. 

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