AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I filed for Chapter XXXX Bankruptcy and included items listed in Chex Systems in the Bankruptcy. I continue to receive decline notices because of the Chex Systems and the items were discharged today. Please have Chex Systems remove these negative items as I am unable to participate fully in the banking system and the items are improperly reported. 

Company response: Company chooses not to provide a public response
Consumer complaint: MyAccount at Bank of America and or my debit card was charged fraudulently for costs associated with the rental covered under Massachusetts XXXX XXXX as XXXX a XXXX insurer for the at fault accident, for which XXXX admitted fault. Further, charges were allowed that were fraudulent charged by XXXX that I paid throughy Fast Lane Toll which is provided as attachments 

Company response: Company chooses not to provide a public response
Consumer complaint: Debt is from XX/XX/XXXX and I never received anything at all from anyone about this debt. They just put it on my report XX/XX/XXXX. They also kept on telling me that the debt stays on my report for XXXX years from when they placed it which is false information. When I told them they could not do that, they told me they could and would. I do n't even know what this is for. The dates are incorrect. I only had XXXX visit to the hospital XX/XX/XXXX and bills should have been covered by insurance 100 percent and these I just became aware of now from viewing my report. They were also rude and starting commenting on my personal life which they have no right to do or know anything about. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I contacted Focus Receivables Management, the collection agency used by XXXX. The amount of the debt was {$630.00} originally. I was able to settle with Focus Receivables Management for {$500.00}. I paid the settlement and was told the collection would be taken off my credit report. It has not only not been taken off my report, but has also not been updated to a paid status. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: DEBT IS FOR A CHARGE THAT WAS GENERATED BY XXXX XXXX OF XXXX HOSPITAL. I HAVE TALKED WITH THE HOSPITAL 'S BILLING OFFICE SEVERAL TIMES ABOUT THIS CHARGE AND INSTRUCTED THAT UNDER NO CIRCUMSTANCE WILL I PAY FOR SOMETHING THAT WAS REPORTED TO XXXX FOR SOMETHING I NEVER RECEIVED. I TOLD THE HOSPITAL THAT THEY ARE GUILTY OF XXXX FRAUD. I WILL NEVER PAY FOR SOMETHING THAT I DID NOT RECEIVE. I REPORTED THE HOSPITAL TO XXXX FOR THEIR FRAUDULENT BILLING PRACTICES. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I am the seller of the address listed XXXX XXXX XXXX XXXX XXXX XXXX, Florida. The buyer was obtaining an FHA loan through Bay to Bay Lending XXXX Florida XXXX XXXX XXXX # XXXX Fed XXXX # XXXX. On XXXX XXXX, 2015 the title company closed this property HUD 1 was approved and full loan package was signed by the buyer XXXX XXXX XXXX. On XXXX/XXXX/15 XXXX XXXX advised that the Mortgage broker had made a mistake they would not fund the transaction. I was then advised that they made a mistake and another appraisal was necessary ( at my expense ) After incurring Attorney 's fees and numerous expenses the transaction was finally funded XXXX/XXXX/15. HELP! this is wrong 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My husband and I had requested a home equity line of credit in XX/XX/XXXX and were approved for {$15000.00}. We finally stopped using the line of credit in XX/XX/XXXX, and we have been requesting a summary of the payments and charges and have been given the run around. We feel that we have paid the line of credit off already. 

Company response: Company chooses not to provide a public response
Consumer complaint: Old Acct # XXXX Acct # XXXXHello My name is XXXX XXXX and we were sent to BSI Financial from XXXX XXXX XXXX. We were in Foreclosure. I filed for Bankruptcy in XX/XX/XXXX ; Once approved and was given an amount to pay monthly, I filed for a Loan Modification in XXXX of XXXX to begin making payments again with BSI Financial. After three weeks I called and was told to be patient they were processing it. I called about XXXX times total and was given the same information. On XX/XX/XXXX the envelope I sent with the modification paperwork came back, return to sender. The address for BSI Financial matched the address to this company. I am very dissatisfied with this company. I am trying to keep my home and work with this company to do so but to no avail. My desire is to receive a loan modification and continue to pay my mortgage to keep my home. Where do I go from here? 

Thank youXXXX XXXX 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I believe I have Genesis loans from XXXX Colleges and would like to know if they are included in the CFPB settlement. I attended XXXX College in XXXX, from XX/XX/XXXX to XX/XX/XXXX. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have a mortgage loan with WF and I am writing to let you know that they have not reported my mortgage balance accurately. I was trying to refinance with XXXX XXXX and they indicated that my balance is {$280000.00} as of XXXX XXXX XXXX see attached email, XXXX # XXXX XXXX. I can not secure the rate and affordable payment due to this and all related setbacks that come with inaccurate reporting. 

As of today, XXXX XXXX, my statement shows a balance of {$240.00}, XXXX, & lt ; this is a {$33000.00} difference from the $ XXXX indicated by XXXX 's research of my credit. I was assured at the branch, XXXX XXXX XXXX, Ca XXXX ), through the help of a private banker, calling the line in customer service ) that it will post the payment accordingly and be reflected in the credit agencies that it was paid. I am very disappointed that the payment has not been reported accurately. 

[ History : I have reported WF since XX/XX/XXXX regarding the confusing and abusive way they have handled my escrow account. Briefly, I already paid the property taxes in the County XXXX XX/XX/XXXX, XX/XX/XXXX and they repeatedly billed me for it, which forced me to pay XXXX. Historically, the mortgage was not set up with an escrow account. The escrow account was established only recently. I am mentioning this because in XX/XX/XXXX I have settled the escrow account, {$9400.00} to clear everything and stop the grandfathering of charges. ( see attached statement and detail, XX/XX/XXXX, XXXX # XXXX, & # XXXX ) ] 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX I had a XXXX performed at XXXX XXXX Hospital. In late XX/XX/XXXX I was contacted by phone requesting payment in the amount of {$3200.00}. I had never received a bill or statement. At that time I was told there had been issues with statements not getting mailed out and that the representative would request another XXXX. Still no statement showed up. I finally received a statement dated XX/XX/XXXX for {$3.00} and paid it in full. I have received nothing since then and assumed my obligations fulfilled. On XX/XX/XXXX I was contacted by a collection company by the name of CACI to collect a balance on my account of {$530.00}. My account had been turned over to collections for an amount that I knew nothing about. No statement, no phone call, nothing for XXXX months since my procedure indicating a bill of {$530.00}. I feel as though my consumer rights have been violated. I was never educated in the fact that I owed any remaining money. I spoke with a representative from XXXX Hospitals today XX/XX/XXXX that again admitted that their system failed to send out statements, yet no resolution regarding the fact that my personal credit has been affected by a submission to a collection agency. I feel this is very wrong. I am an educated and healthy person and can not get anywhere with this entity. I feel strongly that someone should speak up on the behalf of the ill and under educated individuals who might also be affected in this situation. Thank you for your consideration in this matter. I would be more than happy to address any questions. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX I applied for a Home Loan modification with Bank of America. I completed the trial period and was approved for a permanent modification in XX/XX/XXXX. When I called Bank of Americain XXXX XXXX to make my monthly payment the CSR told me that they would not accept my payment because my house was in foreclosure. I tried for several months calling every week to make a payment or to find out what was going on and no one could give me a straight answer. XXXX person said there was a " glitch '' in the system and that it would be fixed and I could mail in my payment which I did in XXXX XXXX. I thought the problem had been solved until the day I was supposed to make my next monthly payment, I received back in the mail the payment I had made in XXXX XXXX. Still after that I called every month to find out what was going on and no one at Bank of America could tell me. A year later in XXXX XXXX I hired a lawyer from an online website XXXX out of New York. Needless to say the charged me XXXX dollars a month for 8 months ( XXXX XXXX dollars ) and they did nothing! Took my money and never appeared in court on my behalf. I just found out this Law Firm scammed hundreds of consumers and is now filing bankrupt. To make a long story short Finally this year Bank of America was I guess trying to get their act together but too Late for me they said because im too far behind for them to help me and by the way, what happend to my modification was called " DELAYED CONVERSION '' ... ... .Bank of America recently sold my mortgage to XXXX XXXX XXXX. Im trying to go thru the modification process with them but its not looking good for me. There is a strict foreclosure judgement for XXXX XXXX, XXXX. 
Because of Bank of Americas negligence I am going to lose my home..Not Fair! Please please if there is anything anyone can do for please let me know. 

Company response: Company chooses not to provide a public response
Consumer complaint: My refinancing with bank of america was taking about XXXX months, and was rejected. The paper trail is enormous. They charged me for a home inspection before the mortgage was accepted. I feel that a huge mistake was made by the bank.How do i recoup my loss, 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a XXXX credit card statement in late XXXX 2015. The balance on the statement was {$430.00}, with payment of {$25.00} due on XXXX XXXX, 2015. I was away on business travel at the time the payment was due, returning on XXXX XXXX. I paid the bill in full electronically on XXXX XXXX 2015. I then received a new bill for a {$25.00} penalty, then XXXX for {$50.00}. I now have a bill for {$120.00}. It is in no way fair to be penalizing me for paying off my balance 4 day past the payment due date. I asked the credit card company, CITI, to clear the penalties and they refused. 

Company response: Company chooses not to provide a public response
Consumer complaint: The collection agency AIH Receivables Inc in XXXX, KS did not provide me with the following information that was requested twice : A copy of the last billing statement sent to me by the original creditor. 

The amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 

If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

Tell me when the creditor claims this debt became due and when it became delinquent. 

Identify the date of the last payment made on this account. 

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 
XXXXOr Details about their company and who they are : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

I have asked for this information twice and they are only sending me an itemized statement from the original creditor and a sheet where I agreed to pay for all charges. 

However, I do not know who these people are and would appreciate it if they would just provide me the information I requested with twice. Once I can compare that with my records then I will feel more comfortable with paying the amount. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I lost my job about 4 years ago. I got behind on my mortgage with US Bank Home Mortgage. I went through all the steps to do a loan modification which was never granted. I am now trying to short sale my house and my house has been on the market since XXXX 2015. At the request of my relationship manager, I again prepared documents for loan modification in XXXX. During this time I never heard a word about the documents being approved. I left numerous voicemails and sent emails with no reply. Now my relationship manager, in XXXX, tells me he never received my paperwork. I provided the email where it was sent to him. He apologized and said I would have to prepare the paperwork AGAIN. During this conversation he begins to tell my that my house is in foreclosure which he has failed to tell me in the past when I have talked to him. US Bank sent their asset manager to my house to change the locks and make sure it is secure since I have moved out during this time. Now, it is for sale and I have a real estate agent who is showing the house and have an offer that has been submitted to US Bank. I check on the house about every week and XXXX day I go inside and the back door has been removed from the hinges and my stove is gone. All my cabinets have been gone through. My house was left unsecured for over a week. When I call my relationship manager, of course I have to leave a frantic voicemail about the house being unsecured and the stove missing. I was told that the reason the locks were changed was so that US Bank would know the house was secure. I got a return phone call 2 days later which I could not answer at the time because I was in a meeting at work. I have since returned the call with no response. My relationship manager is the WORST customer service rep I have ever dealt with. Since then I myself have fixed the back door and secured the house out of my own pocket. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion have erroneous information on my credit report and refuse to allow me access to my free credit report because the answers to the questions they ask are not correct. The questions they ask are not applicable to me and every time I get it corrected after a few weeks they return the erroneous info to my credit again. This is affecting my employment and my financial reputation 

Company response: Company chooses not to provide a public response
Consumer complaint: Trans union has got somebody with the same name as mine that lives in the same town that I live in credit good and bad mostly bad listed on my credit report. This has brought my credit number down terrible low. How were they able to do this without my social security number? There are even XXXX civil judgements against me. I had good credit how can this happen. I checked with the other XXXX reporting credit agencies and Transunion the only one that has the wrong information listed against me. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I believe I have Genesis loan from XXXX Colleges and would like to know if they were included in the CFPB settlement. This loan has now been transferred to another servicer XXXX XXXX XXXX XXXX XXXX 
I attended XXXX XXXX in XXXX CA. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I am a XXXX who has banked with Bank of America for more than20 years. In the last year the service charges for banking services that allretailers require have been increased anywhere from 20 % to 300 %. Thesare critical services like cash deposits, coin requests, check writing andcheck deposits, ACH activities etc. Our monthly bank fees, not includingcredit card fees have gone from approximately {$90.00} per store per year one year agto over {$160.00} per store per month this year 

Company response: Company chooses not to provide a public response
Consumer complaint: I HAVE SOMEONE USING MY SOCIAL THEY ARE IN OHIO I TRIED TO GET MY CREDIT REPORT ONLINE AND IT ASKED ME QUESTIONS TO VERIFY MY IDENTITY AND IT HAD XXXX NUMBERS ON THERE AND I LIVE IN XXXXASO I COULDNT GET MY CREDIT REPORT NOW I KNOW THEY AT LEAST HAVE A PHONE IN MY NAME PLEASE I CALLED IN TO GET MY CREDIT REPORT BUT I DONT KNOW IF THEY WILL SEND IT TO ME 

Company response: Company chooses not to provide a public response
Consumer complaint: Overpaying of interests during the Refinance : I have a 30 year XXXX ARM from Wells Fargo Bank related to my primary residence ( co-op ). In XXXX 2015, I refinance a 15 year fixed rate mortgage from XXXX XXXX with closing date scheduled on XXXX XXXX, 2015. XXXX XXXX 's policy is to fund three days after closing-XX/XX/XXXX. And XXXX branches are open on XXXX XXXX. However, the Wells Fargo attorney office is closed on XXXX XXXX and can not release the stock certficate until XXXX XXXX. And the settlement agent ( XXXX XXXX attorney ) wo n't release the cash disbursement to me until XXXX XXXX. However, XXXX start charging me interests on Friday, XXXX XXXX even though the settlement agent can not release fund until XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit account in collection. I have asked collection company for any information regarding the legitimacy of the account. Over 3 months have passed with no response, and they refuse to remove the item from my credit report. 
All of my accounts with the original creditor are current and in good standing. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: This company has failed to send a written notice of the debt. They have contacted me several times and I have made them aware that I have n't received said letter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The reason for my complaint is because someone did a fraudulent account take over on my best buy account. I had paid off the account and have been in florida for the last 10 months. I still own my home in which the billing is being sent too but being that I did not have a balance on the account I had no reason to be worried for any payments on my account. I found out the account takeover when I purchased an XXXX credit report and saw my best buy account as a charged off. I have tried to call in to speak to best buy about this and continue to be put on hold and transferred around. I do not have my card in my possession and do not know the full account number but do have the partial from the credit report XXXX and my social is XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My Husband XXXX XXXX has a mobile home loan with Green Tree which we paid the principal balance off back in XXXX. Green Tree is refusing to release the title because they say they have added insurance to the account even though we have provided proof of insurance to them. They are charging us interest on something even though we have statements that show a XXXX principal balance. We have been dealing with this issue since early XXXX and have faxed document after document showing we had insurance during the dates they are trying to charge us for. In the mean time they are harrassing us by telephone daily for the money and have stated they will no release the title until we pay the insurance. We have proof of insurance. We are paying fees to keep the mobile home in place due to the fact the purchaser who bought it from us ca n't move it until we have a mobile home title. It is a racket. You should n't be able to assess insurance on a property that already has insurance on it and then expect people to pay for it and not refund them. We have had this happen XXXX other times with Greentree. Our balance is paid in full and we want our title. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Target, has provided incorrect information on my credit report and the payment system that they used inadequately had problems processing my payments and the money was in my account each time. I want the adverse account information removed from my account. It was their fault for the lateness. 

Company response: Company chooses not to provide a public response