AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I had to unfortunately file for Chapter XXXX bankruptcy in XXXX, XXXX. I took pains to make sure that my home mortgage with Bank of America was not included in the bankruptcy because I did not want to lose my house to foreclosure and I wanted to protect my credit for future home mortgage loans. I had to list all of my debts for the Court, so the loan was listed. One of the credit card accounts that I did include was with Bank of America. I kept making my mortgage payments in full as usual. I then listed and sold my home and paid off the mortgage through escrow in XXXX, XXXX. I kept receiving monthly statements from BofA all the time leading up to the close of escrow showing that I made my previous payments as usual and my balance right up until I paid it off. I received a XXXX form for my IRS taxes in XXXX of XXXX for the year XXXX and in XXXX of XXXX for the year XXXX showing that I paid interest that was included in my monthly payments for the year. However, when I applied later for credit I was turned down and I requested a copy of the credit report through XXXX I saw that the BofA reported that my home loan was included in my bankruptcy and that I stopped making payments as of the date of the bankruptcy in XXXX, XXXX. I requested an investigation to resolve this error through XXXX. XXXX simply sent my letter to BofA, who simply did nothing to change the status. I contacted my attorney who did the bankruptcy for me and she said it was the BofA that had to confirm with the Court that they were not included in the Bankruptcy ... which they did not do. Perhaps they got it mixed up with my credit card account or they are punishing me for the credit card account dismissal. Later, I requested another credit report through XXXX with the same results, including a request to resolve this issue to no avail with BofA. I am now appealing to the Consumer Financial Protection Bureau and will attach all my documentation. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian allowed XXXX to pull a hard credit inquiry without my permission. This was done by the XXXX store on XXXX XXXX in XXXX, SC. The store employee who did this was XXXX. After my credit was pulled, she tried to get this reversed. I want this credit pull to be removed from my credit report immediately! 

Company response: Company chooses not to provide a public response
Consumer complaint: i HAVE XXXX ACCOUNTS FROM USAA THAT I HAVE RECEIVED AN XXXX FROM. YET THESE ACCOUNTS ARE STILL POSTED ON MY CREDIT REPORT. ACCOUNTS ARE XXXX AND XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Dear Sir/Madam, Paypal is holding my funds in these accounts hostage since XXXX XXXX, 2015. My personal account has {$5500.00}, and my business account has {$9400.00}. The pretense of limiting my account was high level of risk. The matter of fact truth is that my accounts have never had any disputes, claims, or chargebacks. Their holding my funds is nothing but malice, and was done in bad faith. It is unreasonable and should be illegal. So far all my contacts to Paypal only resulted in either no reply or nonsense form-letters. 
I am asking for you intervention to:1 ) Order Paypal to release the funds to me immediately without any further delay ; 2 ) Order Paypal to pay interest at 10 % or the highest rate Paypal pays to its lenders to compensate me for locking up my funds ; 3 ) Declare Paypal 's XXXX-day holding period illegal. 
Thank you very much for your prompt assistance on this matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Additional document to support disputes found on case numbers : XXXX ; XXXX ; XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX sent {$150.00} to Professional Credit Services, " collections ''. {$100.00} of it was paid to Professional Credit Services, " collections '' in XXXX XXXX. {$60.00} was paid to XXXX XXXX XXXX XXXX XXXX. XXXX did not recognize this payment until XXXX of XXXX. They sent the payment of {$60.00} to the collection agency in XXXX of XXXX. The collection agency and XXXX are requiring me to pay interest on the balance previously paid. XXXX had the funds for almost 4 years. They reported the full amount on my credit report for 4 years. I made XXXX aware of the issue, they paid the collection agency XXXX XXXX, and the interest is now on my credit report. I asked XXXX to pay me the interest or write off the interest and they wo n't. The interest is {$17.00}, it is not the amount but the lack of reconciling my account for 4 years and than demanding interest on money they had all along. XXXX owns the debit, the collection agency did not purchase the debit. From my point, this needs to be removed and back dated off my credit report. I have contacted both XXXX and Professional Credit Services and both will not release the interest on money they had for 4 years. I would like to see both these companies fined for abuse of my credit report. They both are aware the money was paid 4 years ago and are still demanding interest not earned due to the lack of reconciling my account. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: Mortgage Servicer : PennyMacUSAXX/XX/2015 ( approximately ) : I called PennyMac to check if I had met the criteria for removal of PMI from my loan. 
XXXX/XXXX/2015 : I sent a note via servicer 's internal messaging service on their website inquiring about the status of the request. 
XXXX/XXXX/2015 : Service responded to message stating I should allow up to 7 business days from the original request. 
XXXX/XXXX/2015 ( approx. ) : I called PennyMac to check on the status. I was told to allow up to 10 business days. 
XXXX/XXXX/2015 : I sent another message via PennyMac 's messaging system requesting a resolution to my request. 
XXXX/XXXX/2015 : PennyMac sent message stating I should allow an additional 7 days to receive a response. 

It has now been over XXXX weeks for a request that according to their policy should have taken 7 business days. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: they Experian, XXXX and XXXX refuse to send me my score and credit report they want to charge me a fee monthly 

Company response: Company chooses not to provide a public response
Consumer complaint: BOA had inaccurately mis-posted payments on my loan that caused my mortgage loan to fall deliquent and inaccurate reporting to the credit bureaus. Now I am getting garnishment notices from the US Department of HUD for a partial claim that BOA failed to payoff when the home was sold. I 'm at a dead end and do not know where to go from here. Any intervention on your offices behalf would greatly be appreciated. The whole experience with BOA has been a nightmare up to this point. 

Company response: Company chooses not to provide a public response
Consumer complaint: CREDIT PROTECTION ASSOCIATION, L.P., seeks to collect a debt that is not mine, is unenforceable, and barred by the California Statute of Limitations ( 4 years ). I have not been served, nor does court records indicate, that a filing or judgment of the matter exists in California. I have incurred costs of a California Licensed Investigator in obtaining this information. 

The debt is not mine. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Wells Fargo Home Mortgage ( lender ) is currently processing my VA Mortgage Loan to purchase a home. The lender approved our loan and we received our lender commitment letter XXXX XXXX 2015 for the amount of {$170000.00}. We found a property we wanted to purchase with an original price of $ XXXX that was later appraised to $ XXXX. The lender had us ( the buyer ) pay the following fees : Title Fee ( {$1000.00} ), Inspection Fee ( {$300.00} ), Appraisal Fee ( {$440.00} ) and other processing fees. To this date we do not have our corrected GFE yet. The lender has sent us numerous rough drafts of the GFE with multiple errors and discrepancies like for example : charging the buyer costs that do not apply to VA Loans. The even tried to have the buyer pay for the Property Termite Inspection and Survey Fee which I refused to pay. I have been more than patient with the lender and right know we are very stressed and XXXX about the whole ordeal. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am requesting date of death balances for multiple accounts. I made the request in person to customer service rep XXXX who advised me that his manager XXXX was out on vacation until XXXX XXXX. I have left XXXX messages with XXXX since XXXX 's return to have her call me to advise me of the request status. I have not heard back as of XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Harbor Front Aquisitions stated that they were attorneys trying to collect on a payday loan. They also disclosed the debt without verifying they had the correct party. I had lost my job and did not have any money to put anything on file. Told them on second call that I could put something on file but that it would have to be for a month out as I just started a job. They wanted me to call back and put {$100.00} on file. The XXXX representative was very rude and harassing. I felt very worried about how I was being treated. It was the XXXX time I had talked to anyone from there. I did not refuse to pay but they are trying to submit me for legal action. I was told that they were working for attorneys but I have never heard from the office that owns the debt. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: My mortgage company cashed my XXXX part payment XX/XX/XXXX. They did not apply my payment but cashed the checks. XX/XX/XXXX, 1 month after the payment, they automatically entered me into a " foreclosure '' status and started a modification process. I bought the home is XX/XX/XXXX and have never been late. The modification took over a year. I have finalized my divorce and my exhusband has signed a quit claim deed removing his ownership in the property so I could modify per Wells Fargo instructions. I have made my XXXX trial payment and they are refusing to remove my ex-husband from the Note. They state that the only way I can remove him is to refinance. If I was in a position to refinance, then that is what I would 've done a year ago. This modification process needs to be examined. I have been sent letters from Wells Fargo attorneys stating that Wells Fargo has started foreclosure proceedings, I have been unable to make online payments as they turned off this option in XX/XX/XXXX. They mailed back my payment I made in XX/XX/XXXX and automatically started this modification, all the while, I did n't know if I would get a knock on the door with eviction from my home I share with my XXXX boys. I work in the mortgage business. I know the process like the back of my hand. Wells Fargo is a bully and I want them exposed. Bottom line, I want my home. I am capable of making payments. Wells Fargo has crippled my opportunity to refinance my home by first, refusing my payment ( mailing me a check back after cashing my checks for XX/XX/XXXX payment ) and second, by entering me into a XXXX year note, burying me with no value left for me to refinance. I have recieved no Good Faith Estimate, No truth in lending statement ... just a paper statement of what I am supposed to pay for the next 3 months and still not convinced they will " apply '' the payments and take my home. I owe {$89000.00}, the condo is valued at {$110000.00}. Wells Fargo continually sends me foreclosure notifications in the mail, however, on the phone, my " Home Preservation Specialist '' assured me I was n't in foreclosure. Its a stressful/emotianal situation. I want big banks to stop this nonsense. Please look into this as I know they are not doing things ethically. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received a call from XXXX at my work from Cooper Hoffman Klein and Associates. The caller identified himself as being from the XXXX XXXX subpeona processing department. He said to avoid a warrant and arrest I had to make immediate arrangements with him. I asked for proof of debt. His response was that he is representing an arbitration firm and is not a debt collector. He said he did n't have to abide by rules that debt collectors must follow. He repeatedly threatened me with subpeona and arrest for fraud, that this was my last chance to avoid prosecution. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX 2015 I paid a bill of a shortage extra XXXX The mtg bill was XXXX for a long time so I always pay on time always well the next month with out realizing it the mtg bill went up to XXXX but I had paid the same. Well XXXX is what his name I think he said was calling every night screaming at me. I explain that I paid the shortage not understanding it went up XXXX XXXX. Which I did send and not without a late fee and keep in mind there was never no notice of a increase. I feel abused I have always paid on time and I do n't feel I deserved to be treated this way and I want to make a formal complaint. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am currently making payments toward a loan I made with XXXX XXXX, which finances through Wells Fargo. I receive calls daily from Wells Fargo, even though I am making payments toward the past due balance. I pay {$100.00} to {$200.00} each month, I can not pay more because I have student loans, car insurance, and car payment. Furthermore, each time I pay, I do not see the balance decreasing. It can not be there interest rate because, they charge me $ XXXX for the interest rate. 

Company response: Company chooses not to provide a public response
Consumer complaint: GMAC HAS AN ACCOUNT OSTED ON CREDIT REPORT THAT IS PAID OFF. THEY CONTINUE TO TRY TO COLLECT ON DEBT, POST ON CREDIT REPORT AND STILL OFFER TO DO PARTIAL PAYMENT AND XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have challenged the negative items on my credit report stating the obvious FCRA laws with Experian to no avail. The response I was given from Experian had almost remotely nothing to do with my initial dispute letter. I am VERY frustrated and need help with dealing with these bullies who do n't follow the law. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I received a phone call from Credit Management , LP regarding an alleged balance owned to XXXX in the amount of {$88.00}. On the same date I sent to Credit Management , LP a letter via certified mail disputing the debt and provided written confirmation of account cancellation effective XXXX XXXX, 2015 as well as payment in-full through that date. I requested that Credit Management update their records and cease & desist contacting me regarding this matter. I received signed confirmation of delivery of my certified letter, however Credit Management continues to contact me by phone with regularity, the most recent of which was today XXXX XXXX, 2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I recently refinanced with LoanDepot. I went to set up an account tonight for our mortgage online at their servicing website https : //loandepot.loanadministration.com/ and am not at all confident in their security practices. For example, they do not allow special characters in passwords, which is a standard security practice. Were this for any other financial product, I 'd " vote with my feet '' and take my business elsewhere, but I feel stuck with their inadequate web security practices, since they own my loan. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: WELLS FARGO seeks to enforce a debt which is barred by the four ( 4 ) year XXXX Statute of Limitations, is unenforceable and illegal for collection. I have hired a XXXX Private Investigator to determine if any filing or judgment exists in the State of XXXX or XXXX. None has been found. 

The debt is not mine. THE CLAIM IS MADE AGAINST THE NAME OF XXXX, but it has come to my mailing address in the past. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got contact from a debt collector, CR Corp around XXXX 2015 relating to an outstanding debt to Health Net Insurance that was in an investigation phase with the Department of Managed Healthcare. Before the investigation was finalized they called me to collect {$580.00} that I did not owe to XXXX XXXX. Not only was the debt reported to the credit reporting agencies before a decision was made, when I asked them them to stop calling my cell phone and please contact me in writing instead, the continued to call my cell thereafter and then found a number connected to my relative, not related to this account, and contacted them on XXXX other occasions to collect the debt. My relative confirmed that I had resided with her, unknowing who she was talking to, but consistently told them to please stop calling her about my personal business. Now they are still calling her and my cell and sending threatening letters of judgement as of XXXX XXXX, 2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was in search of information about BOA 's Privacy Assist ( I have been a customer of this service for quite a few years ) when I saw that in XXXX, there had been a judgment against them by CFPB and that they had n't been providing the monitoring that they were promoting. I never received any notification of this, nor did I receive any settlement. I continue to be billed $ XXXX for " XXXX XXXX XXXX '' thinking this is protecting my credit. My online statements reveal that this dates back to at least XX/XX/XXXX, and probably further, if I can get paper statements. Can you advise if I should have discontinued this service, or should have received some sort of notification/settlement from BOA? I am disturbed to have never been apprised of this, despite keeping up to date on the news, including financial news! 

Company response: Company chooses not to provide a public response
Consumer complaint: I mailed a dispute to experian regarding XXXX XXXX loans being reported on my credit report. XXXX should not be reporting any information due to no longer being the furnished of those loans. Also they are reporting incomplete payment history for the loans. They did not have 2 years worth of history from when the loans were opened. Under fcra the law states complete and accurate information has to be reported to credit bureas. OR if it is not has to be removed. After filing the dispute with experian, I waited XXXX days for a result. Never received anything. I tried to file another dispute and received a message those items were verified and I would have to dispute with sallie mae directly. So I called XXXX and was advised that XXXX had no information since the loans were transferred to another office and could n't find any information in my name also stated they were never notified by experian of any information. I called experian and spoke to XXXX from team XXXX. After citing my writes under fcra, XXXX advised that I was absolutely right, also stated experian did not verify anything with XXXX, did not receive my dispute. But normally does not contact the creditor anyway regarding disputes just posts whatever creditor wants them to report. I advised XXXX I was going to complain to the federal trade commission and consumer finance and sue experian, XXXX advised he was disputing items again and notation I was proficient in fcra law and certain experian would now remove those items. XXXX then asked if there was anything else I wanted to dispute. I answered yes I have a credit card which the credit status was incorrect and I had disputed. XXXX checked and advised they received that dispute and that information had been corrected. I advised the XXXX loans and credit card dispute were filed on the same dispute I originally filed. XXXX stated he would file a complaint must have been a computer error. I am filing a complaint also with the federal trade commission against experian for breaking fcra laws and admitting to do so, I want the XXXX XXXX accounts removed they should n't be on my report, if not I will be hiring a consumer law lawyer and sue them. 

Company response: Company chooses not to provide a public response
Consumer complaint: Responded to initial contact letter with a timely debt verification request. Collection agency continued collection activity ( calls and letters ) before responding to the debt verification request. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The address listed on my Experian report is wrong. Credit card listed does not belong to me. I never had the reported credit card listed on this report and never lived at the address on report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was solicited by Bank of America for a Mastercard XX/XX/XXXX. I applied for the card and was accepted. XX/XX/XXXX, I was solicited for a XXXX card, a XXXX card. Since this was my alma mater for both of my degrees, I applied for this credit card. 
I was rejected for this XXXX card, with the explanation given that " you have current or past delinquency on your account ( s ) with us and/or our affiliates. '' The subsequent paragraph stated that " This decision was based upon an assessment of your application, current economic trends and a copy of your credit report or reports. " I immediately wrote bank to BAC, certified mail with receipt, highlighting the following points:1. I pulled my current report and there were no current or past delinquencies on the report. 
2. I pointed out that they had just approved me for an account for {$2500.00} in the prior month, mentioning none of these reasons. 
3. I did point out that I did have delinquencies with MBNA in XX/XX/XXXX-XX/XX/XXXX, with the accounts being eventually settled based upon settlement offers. This information should not be included as a current reason, especially if it was n't being applied in a consistent manner. 
4. I stated that there denial seemed arbitrary and capricious, as they were not applying consistent methods of reviewing and making credit decisions. 

The response I received from them addressed none of my points, instead stating the cliche " unable to approve your request because you have sufficient utilization of your credit and you have sufficient balances on your revolving credit lines. " To add insult to injury, they did a hard pull on my credit, so that it shows XXXX hard inquiries ; XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX, further damaging the credit record even though the original application and the appeal were within 30-45 days of each other. 

Company response: Company chooses not to provide a public response