AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: To : From : XXXX XXXX XXXX number : XXXX Claim number : XXXXProperty address : XXXX XXXX XXXX. XXXX, NC XXXXMy name is XXXX XXXX XXXX and have been a mortgagee of SPS now for over XXXX years. On XXXX XXXX, 2014 I was on a spiritual retreat when at XXXX I received a call from the XXXX Police Department informing me there had been an electrical fire at my home. My first though was my XXXX year old son and making sure he was OK. So since that time my son and I have been in temporary living quarters. I 'll make a long story short. XXXX performed well keeping their agreement as my insurance provider. When I received the XXXX draw of {$57.00} XXXX I thought to myself ; we should be able to get back into the house before XXXX. 
In the first few weeks the performed well finishing the roof, the soffit and the fascia. The inspector came and his estimate was 27 % which I vehemently disagreed. I thought it should have been more like 33-34 %. The next draft was for $ XXXX and quickly was exhausted. This was in XXXX .I went ahead and requested another inspection because a great deal of these funds were already owed to the sub -contractors. I 've had XXXX extensions since the inception of the loan. Instead of moving the XX/XX/XXXX, it will now be more like XXXX. I 've had back to back inspections as the XXXX was completed XXXX weeks after I requested the funds. What I 'm finding out is how lengthy the process can and has been. I 've now been waiting almost XXXX months for check and the frustration, stress and absolute anger ca n't be defined. 
I should not have to beg for these funds Period. The same forms I sent in XXXX months ago are being requested again. The waiver of lien, the contractors ' license number and his tax information. This has been the most traumatic event I 've ever dealt with in my entire XXXX years on this earth. Why did we proceed thus far without the information. What if this was you or your wife dealing with this? I 'm sending this to the world ; no one should have to deal with this XXXX. I do n't wish this XXXX ordeal on anyone. I 'm sure SPS holds these funds as long as possible to earn any type of interest. Will you pay me interest? Please intervene and help me get back home. I 've had a XXXX in the past few years. This has been the most wicked and XXXX experience of my life. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A certified brokerage inheritance check for XXXX was deposited on XXXX XXXX of this month, 2015. I was given a receipt and told the verification period typically took 24 hours, and if issues arrived I would be notified. 2 days later with no funds and no notifications, I decided to contact Wells Fargo and XXXX XXXX to see into the problems. XXXX XXXX confirmed the funds were withdrawn by Wells Fargo by XXXX XXXX. Wells Fargo has on three separate communications told me that : 1 ) They were still waiting on XXXX XXXX to confirm the funds. 2 ) That the check had been returned. 3 ) That the check had to be verified still. They have told me that my funds would be available on XXXX XXXX, which is abnormally long. They have also refused to make any portion available earlier, despite what I understand to be conflicting legalities of deposits over {$5000.00}. Customer Service complaints aside, I find their practice unfair and unreasonable and request a third party 's assistance on the matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have sent dispute complaints to Experian on XXXX seperate occassions, All with documented and noterized proof that I am the legitimit person authorized to make request on my credit reports. Experian has failed me many times by totally disregarding Georgia State noterized documents issued and witnessed by a Bank Officials of XXXX XXXX XXXX, and disrespecting me as a real person. Experian has made the determination that they are going to dictate what they report on my credit reports by falsely accusing me of filing frevilious disputes, when I infact sent All necessary documentations of proof by certified mail. Experian then proceeds to give out false and Unverified information to potential creditors that has severly XXXX and XXXX my chances to buy a car or house at this point. Experian has totally disregarded the Federal Trades Commission Fair Credit Reporting Act by not following the rules on verifying, and through proper channles and Deleting All Unverifiiable Information on my credit report. Experian actions are dispiciable and Unacceptable at this point. ( Proof of ALL documents sent to Experian on XXXX seprate occassions. ). 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX accounts that are showing up with this company that were a result of my id 's being stolen and are fraudulent they are reporting on my credit file and the companies records 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a phone call from a debt collector threatening to take legal action against me. She advised me that if I did not pay the amount owed, that a warrant would be issued for my arrest. She is using empty threats to collect a debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: Another discrimination case proving Wells Fargo XXXX is Highly Opposed to People on Fixed Incomes who are also XXXX. I logged on to wells fargo.com whereby my husband wrote a secure email REQUESTING A REPLACEMENT Check/Debit CArd because his strip does not work and card is physically cracked. The wf c/s rep.did not read correctly the message so she ordered me a NEW card in ERROR. I tried writing to this rep to explain her error, but she still did not understand. How sad. Then a different rep contacted me telling me my husband had to request the card himself. I wrote back and told him, MY HUSBAND did request it himself ; he would understand that if he read it English. Then he tried to tell me my husband has to submit the request by logginin online himself. In our house we all use same email, and same login for wells fargo for allof our accounts. So Sorry if he does not like the way we handle things, but that 's how we choose to do business, and we have NEVER been told we could not do things this way. 
See documentation of back and forth communication via secure online email. The last emails I do not have a copy of but wells fargo XXXX does. Finally we got a change to stop by the local Wells Fargo bank at XXXX mall to have him in person request it. XXXX XXXX waited on us and she checked online notes in system, NO ONE EVER ORDEREDhis replacement check/debit card. So gave him a temp card, plus ordered replacement. When my new check card arrived XXXX ) which was ordered in ERROR, my ATM w/d limit is {$510.00} and my daily pos limit is only {$1500.00}. When XXXX check/debit card finally arrived XXXX the ATM w/d limit is {$310.00} and HIS daily XXXX limit is {$2500.00}. Wow our account together barely gets used for {$300.00} per month. Yet my checking account which ends in XXXX is seeing transactions per month in excess of {$2000.00}!! So why is my POS daily limit so low and ours together is so much higher???? More discrimination proof. See my other Auto Refinance Loan Case Currently OPEN with Consumer Protection Bureau. see attached documentation 

Company response: Company chooses not to provide a public response
Consumer complaint: I told them that this is not my debt, must be some mistake, I had to appear in court but did not get a chance to speak to the judge, was told to wait that some one would call me, I tried to explain but she did not want to hear any thing I had to say she gave me another court date. 

Company response: Company chooses not to provide a public response
Consumer complaint: My aunt is XXXX years old and has been banking with Wells Fargo bank for years. She is a " XXXX '' customer. My aunt assigned my sister and me as her POAs a few years ago. Until about a year ago, my aunt has handled all of her own affairs with minimal assistance. Last year she moved into an assisted living apartment. I went to Wells to get info on my aunt 's accounts so I could set up budgets. They would not honor the POA unless my sister and I were there together. I have had NO problem with any other organization, getting information about my aunt once I have provided them with the POA. Last week, my sister flew in from CA and we went to Wells together to get information. What we were asking for : ( 1 ). that I could inquire about my aunts fund. ( 2 ). I could negotiate rates on her CDs. We were told that Wells Fargo would not honor our POA. My aunt, at XXXX, is very suspicious about any request about her banking. I have been told by her nurse that this is very common in the elderly. I do not want to upset her. I do not want to tell her that Wells Fargo is taking advantage of her. She believes that she is a XXXX customer and that they are taking care of her. I do her taxes annually and see her CD income. Last year on approximately {$90000.00}, she received & lt ; {$50.00} interest. I was told that my aunt 's CDs are on auto renew so she receives the published rate. Right now that rate is .05 %, my local community bank is paying .40 % -1.3 %. This is how they take care of their " XXXX '' customers? I see why they do n't want me coming in negotiating rates for her. In my opinion, this is XXXX Abuse! The second part of my complaint stems from the actual POA. I gave it to the personal banker to send to their legal dept. I remember it sitting on her desk, right in front of her. When we left, I forgot to take the POA. I called the next day and the personal banker told me that she gave it to me. She had n't. I had brought XXXX folder in with me and it was not in there when I left. She told me that she was n't in that office today that she would check on her desk when she got back there. I called her manager to complain. He told me that she would have locked it in her drawer, and they would call me Monday. I called them on Monday and the personal banker was out. I called back today and left a voice message with the personal banker, no returned call. I called a XXXX time and her voicemail account was full. I am very frustrated and now have to pay for another copy of this document from my aunt 's attorney. I am just trying to be an advocate for my XXXX year old aunt. I do not want any access to her money, other than inquiry and the ability to advocate for higher CD rates for her. I do not want to upset her and drag her through this process. I do n't want her to know that she is being taken advantage of by an organization she trusts. 

Company response: Company chooses not to provide a public response
Consumer complaint: I pulled my credit report and noticed that this company has reported that I owe them money and to best of my knowledge I have never received any service from them nor have I signed a contract stating I would. I was not afforded with challenging or disputing the debt in accordance with the law. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, XXXX I was served with a civil warrant with a court date of XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX XXXX on behalf of Jefferson Capital Systems LLC ( Original Creditor is : XXXX ). After several failed attempts to contact Jefferson Capital Systems LLC by telephone, on XXXX XXXX, XXXX I filed a complaint with the XXXX trying to collect information on the account before I had to appear in court. On the night of XXXX XXXX, XXXX they replied to the complaint where I did n't receive access to any documents from them to verify the account until XXXX XXXX, XXXX AFTER my court appearance. Therefore, not only did Jefferson Capital Systems LLC never provided me with any information regarding the account before they filed the suit against me but they also did n't give me adequate time to verify the account information before the account was turned over to the attorney 's office. I also believe that Jefferson Capital Systems LLC is reporting false and inaccurate information on my credit report. The account number they show on my credit report does not match the account number they filed the suit against me on but the original creditor 's balance and dates match my credit reports prior to XXXX/XXXX/XXXX. I do n't have my credit report for XXXX & XXXX that date could actually be an earlier date. They are reporting a opening date of XXXX and the original date the account was open was XXXX XXXX. They are also reporting from XXXX XXXX XXXX XXXX a monthly payment of {$33.00} that I have n't paid. The last payment I made was on XXXX/XXXX/XXXX of {$33.00} which is reflected on the Statement of Account Activity that they provided to me after my court date. Additionally the balance on the suit filed is : {$940.00} which reflects the balance on XXXX statement dated XXXX/XXXX/XXXX and continued at that balance until XXXX XXXX at which time Jefferson Capital Systems LLC increased the balance to {$1100.00} which was after they turned the account over to the attorney to have the suit was filed against me in XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, XXXX I was served with a civil warrant with a court date of XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX ( Original Creditor is : Tribute ). After several failed attempts to contact XXXX XXXX XXXX XXXX by telephone, on XXXX XXXX, XXXX I filed a complaint with the XXXX trying to collect information on the account before I had to appear in court. On the night of XXXX XXXX, XXXX they replied to the complaint where I did n't receive access to any documents from them to verify the account until XXXX XXXX, XXXX AFTER my court appearance. Therefore, not only did XXXX XXXX XXXX XXXX never provided me with any information regarding the account before they filed the suit against me but they also did n't give me adequate time to verify the account information before the account was turned over to the attorney 's office. I also believe that XXXX XXXX XXXX XXXX is reporting false and inaccurate information on my credit report. The account number they show on my credit report does not match the account number they filed the suit against me on but the original creditor 's balance and dates match my credit reports prior to XXXX/XXXX/XXXX. I do n't have my credit report for XXXX & XXXX that date could actually be an earlier date. They are reporting a opening date of XXXX and the original date the account was open was XXXX XXXX. They are also reporting from XXXX XXXX XXXX XXXX a monthly payment of {$33.00} that I have n't paid. The last payment I made was on XXXX/XXXX/XXXX of {$33.00} which is reflected on the Statement of Account Activity that they provided to me after my court date. Additionally the balance on the suit filed is : {$940.00} which reflects the balance on Tribute statement dated XXXX/XXXX/XXXX and continued at that balance until XXXX XXXX at which time XXXX XXXX XXXX XXXX increased the balance to {$1100.00} which was after they turned the account over to the attorney to have the suit was filed against me in XXXX XXXX. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: FOR THE PAST TWO MONTHS I HAVE BEEN CONTACTING XXXX SUNTRUST TO TRY TO GE THEIR HELP REMOVING A REPORTING FROM MY CREDIT BUREAUS THAT THEY ARE REPORTING TO. AND I HAVE BEEN TOLD BY SEVERAL EMPLOYEES TO JUST SEND OVER A COPY OF MY CREDIT REPORT AND A WRITTEN LETTER REQUESTING THE ACCOUNTS TO BE DELETED AND THEY WILL HAVE THEM REMOVED. THESE ACCOUNTS ARE ALREADY CLOSED AND HAVE BEEN FOR YEARS. AND I AM APPLYING FOR A HOME LOAN. IN ORDER TO GET APPROVED THESE ACCOUNTS NEED TO COME OFF. I HAVE DONE EVERYTHING THAT I CAN DO THAT SUNTRUST HAS ASKED ME TO AND THEY HAVE BROKEN THEIR PROMISE TO ME AND LIED TO ME BY TELLING ME IT WAS ALREADY REMOVED. WHEN I CALLED SUNTRUST TODAY AND SPOKE WITH XXXX EMPLOYEE ID XXXX. HE SAID THAT HE IS SORRY FOR THE MISUNDERSTANDING BUT HE WILL NOT BE HELPING ME REMOVE THIS FROM MY ACCOUNT ALL THOUGH I WAS PROMISED THAT IT WOULD BE REMOVED. BECAUSE HE DOESNT HAVE TO. AND IT IS THERE REGULATIONS TO KEEP IT THERE FOR 7 OR MORE YEARS. WHY HAVE I SPOKEN WITH SEVERAL EMPLOYEES AND NON OF THEM EXCEPT HIM KNOW THIS POLICY? AND WHY WAS I PROMISED IT WOULD BE COMPLEATLY DELETED AND NOW THEY ARE SAYING NO? AND THE FIRST COMPANY WAS CLOSED DOWN AND SUNTRUST TOOK OVER SO WHY ARE THEY STILL REPORTING IT TWICE? AND REFUSING TO STICK TO THEIR PROMISE TO ME TO DELETE IT FROM MY CREDIT HISTORY? 

Company response: Company chooses not to provide a public response
Consumer complaint: CMRE is in violation of the Fair Credit Reporting Act. A XXXX XXXX investigation from XXXX 2015 found the account ( # XXXX ) was unverifiable/inaccurate and was deleted from my XXXX XXXX credit report. CMRE did not report the deletion of the account to XXXX, the other consumer reporting agency that it reported the account to. Proof of the XXXX XXXX investigation results are attached. This complaint will be used as evidence in the event legal action is warranted. 

Company response: Company chooses not to provide a public response
Consumer complaint: I feel I am the victim of credit discrimination by HomeBridge FinancialServices doing business as Real Estate Mortgage Network. Theiraddress is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX. 
The contact information of the account executive is XXXX. 
I applied for a home mortgage with this company and received a loancommitment from them on XX/XX/XXXX. I am a single divorced womanreceiving child support from my ex husband under a XXXX divorcedecree which provides for monthly child support which, under XXXXlaw, is to continue until my youngest child is XXXX. Currently my youngestchild is XXXX years old so the child support will continue until XX/XX/XXXX. 
Item XXXX of the commitment listing conditions for underwriting states '' Provide continuance of child support payments, such as the childrenfor whom support is being paid or the duration. '' I have provided thisinformation to the lender. Nevertheless, the lender has refused toapprove this loan because it will not consider the child supportpayments despite the divorce decree and citation to the XXXXstatute which describes the duration of the child support obligationas being until the youngest child reaches age XXXX ( with certain exceptionsnot applicable here ). I now risk losing the house that I was scheduled toclose on last week and if I need to move out of my current rental Iwill not have a place to live. I feel that this action by the lender violatesthe Equal Credit Opportunity Act ( Regulation B section 102.6 ( b ) ( 5 ) andalso constitutes discrimination on the basis of sex and marital statuswhich is prohibited under XXXX law ( where I now reside ). XXXX. 
General Statutes section XXXX. I should also point out that myex-husband has been paying me child support on a regular basis, inaccordance with the court order, for the past 6 years. He is an XXXX XXXXveteran and currently a XXXX employee who has a secure income. Thelender asked me for 6 months proof of timely child support paymentswhich I provided. If this lender is doing this to me, I fearthat other divorced women receiving child support might bebeing treated in a similar way. If you can get the lender to quicklychange their position, I can still close on the house I wish to purchasefor myself and my children. 
I also want to point out that on XX/XX/XXXX I received a revised list ofitems required to close the loan and there is nothing on that listthat refers to child support documentation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America has sent be a Mortgage Modification for the third time. I have a modification on file in XXXX County, Florida as required that supersedes the one they have sent me. I call the lender and all I get is pushed around. This is the XXXX complaint I have filed on this issue. The modification they have sent would double my current payment and add {$75000.00}. to the balance of my mortgage 

Company response: Company chooses not to provide a public response
Consumer complaint: The creditors have wrong personal information. I have married and my last name is changed along with my address. I also noticed that they have medical debt reports that I did n't even know I had and can EASILY be taken care of right away! These things are a HUGE reason I am getting such a bad report, I NEED THIS CLEARED AS SOON AS POSSIBLE. Also I am taking care of a HUGE student debt, that should be showing progress to my credit report but just found out that it is n't because of them not HAVING THE RIGHT CONTACT INFO and my name change due to marriage. I have reason to believe my someone is using my name and social security number to keep utilities in my name, I see I have a " consumer energy '' and " XXXX '' debts in a time frame that I 've lived here at this current address and KNOW for a fact could n't be my debts because we have different providers actually I still have them until this day. WHAT DO I DO? 

Company response: Company chooses not to provide a public response
Consumer complaint: A security system sales person with XXXX XXXX XXXX out of Utah came to my house to sell me a security system on XXXX/XXXX/2015. He inquired of my date of birth, full name and my husband 's full name. I refused to disclose my birth date and I did not give him my husband 's first name. He then said that he had to verify that I was a homeowner and without my knowledge or consent, made an inquiry on my Trans Union credit report using only my name and address information. I also had not made a decision about purchasing the system from his company and will now not be doing so because he did not receive my permission to do an inquiry on my credit. I discovered this inquiry from XXXX XXXX XXXX ( XXXX ) by email when XXXX XXXX sent me a notification that a hard inquiry had been made on my credit report. I feel that the sales person, has been dishonest with me concerning his intentions to sell me a security system by pulling my credit without my consent or knowledge. 

Company response: Company chooses not to provide a public response
Consumer complaint: This was XXXX that was ordered by the Doctor. XXXX refused the test for XXXX. It had been ruled no longer covered by XXXX. XXXX said I was not responsible since it was a new ruling and that the Doctor and I were not aware it was no longer covered. My supplemental insurance did not pay since XXXX did not. The test for XXXX was a small portion of the testing and of the bill that was paid. The test for XXXX XXXX was ordered because of XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: this account is a fraudulent account and was from identity theft but it is reporting on my credit and this company has this frauudlent account on their records 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My car was stolen and some one stole my information to obtain credit. I received bills that did not belong to me.I pulled my credit report and there are accounts that are not mines. 

Company response: Company chooses not to provide a public response
Consumer complaint: this debt is fraudulent was created from identity theft and needs to be removed i have filed a ftc and police report 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: My escrow charges are excessive. The yearly tax bill is only XXXX on my house. The bank in error is charging me XXXX for the escrow portion of my payment. I am XXXX and on a fixed income. I have sent qualified written requests to the bank to resolve this matter and nothing has been resolved. 

Company response: Company chooses not to provide a public response