AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Our complaint is that Wells Fargo did XXXX appraisals of our home, but have only shown us the second appraisal. We believe that the first appraisal reflects the true market value of our home. And, the second appraisal was used to support their inflated counter offer. Wells Fargo claims they can not find the first appraisal, even though this first appraisal was done at approx. XXXX on XXXX XXXX, 2015, by an XXXX named XXXX, who was hired by Wells Fargo. We find it highly unusual that they are unable to locate the first appraisal done XXXX/XXXX/15, and are only able to locate & share with us the second ( inflated ) appraisal done XXXX/XXXX/15. 
Here is the timeline : In XXXX of 2015, we made a request to Wells Fargo ( WF ) to do a short sale. 
XXXX XXXX, 2015-WF requested to schedule an appraisal of our house ( see screen shots of cell phone text messages ) XXXX XXXX, 2015 - XXXX did an onsite appraisal for WF at our house. Our agent XXXX was there with him ( see screen shots of cell phone text messages ) XXXX XXXX, 2015 - We submitted a $ XXXX cash offer to WFAfter WF saw this $ XXXX cash offer, they ordered a second appraisal of our home. 
XXXX XXXX, 2015 - WF did a second appraisal of our homeThis second appraisal produced a home value of $ XXXX believe this value to be significantly higher than the true value of our home. 
XXXX XXXX, 2015 - WF denied the approval of the $ XXXX cash offer & countered at $ XXXX this counter offer was made, the buyers pulled out of the transaction. 
We have requested to see all appraisals done by WFWF gave us a copy of the second appraisal only, of $ XXXX ( which was done after they saw the $ XXXX cash offer ). 
WF can not locate the first appraisal. 
We believe that WF is using the second appraisal to support both their denial of the $ XXXX cash offer & their counter offer of $ XXXX believe the first appraisal would be significantly lower than $ XXXX, and more accurate for the true value of our home. And, therefore, we would have multiple offers to submit as adequate back-up offers. 

Company response: Company chooses not to provide a public response
Consumer complaint: FRAUD : The XXXX Trusts never operated and never received any investments dollars or any startup funds. They exist only on paper. There is a blizzard of paperwork, forged and fabricated assignments, endorsements, backdating, etc. The " pass-through '' characteristics of the XXXX Trust is not operating either. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was charged {$470.00} appraisal fee. Royal United Mortgage emailed me all terms related to loan. They were informed this is a permanently fixed manufactured home. Before and after appraisal I was never contacted by co. Had to seek them out to find they did not want to go thru with loan. My credit rating is XXXX. My income is sufficient. The loan I have is FHA. I would like the appraisal fee returned. 

Company response: Company chooses not to provide a public response
Consumer complaint: Making payments on time to Well Fargo. XXXX completed a credit check and determined that our account should be closed, so Wells Fargo closed it. 

I am working to keep our credit as good as possible, although we are having trouble. I paid this bill one time each month and now get to pay a bill to a closed account. Very discouraging and hope to never have to deal with Wells Fargo in future once this is paid in full 

Company response: Company chooses not to provide a public response
Consumer complaint: Agent named XXXX from NW collections called from XXXX never Identified the debt did not verify if I was the consumer never stated the mini Miranda or tape disclosure was rude and harassing exact statement when I question the validation of debt her exact statement was you do n't ask questions until she is done speaking did not provide s first notice or any validation of debt 

Company response: Company chooses not to provide a public response
Consumer complaint: I wanted to make a payment in advance to my mortgage with Bank of America. I could not find any clear direction on the website to complete this. I have had issues in the past with additional payments being credited to the principle of the loan rather than as advance payments as agreed. 

I called the customer service number. I was directed to give reason why I wanted to pay in advance in a letter to the " pay in advance '' department. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a {$35000.00} Home Equity Loan. I told them my husband had XXXX andthat I have a Power of Attorney done through our lawyer at the very beginning. 
When we got to closing they insisted my husband had to sign the loan documents with the Notary. Once that was done I 'd have the money in my bank account on XXXX/XXXX/15. On XXXX/XXXX/2015 they called me and said the Notary was uncomfortable with my husband understanding what he was signing so the title company denied my loan. The only way I could get the loan was to get a letter from a doctor stating my husband understands what a home equity loan was and that he knew what he was signing. I told them he does n't know and no reputable doctor would do that. So I spent weeks on providing paperwork and was assured everything was fine for nothing and I have to start over again with another company. I needed the money to move as my husband 'XXXX two hours away. I just do n't understand when I worked so hard getting them every document they requested. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX my house went into foreclosure, The original attorney for America 's servincing co. was a XXXX XXXX XXXX who was disbarred. After going to court several times and not getting nowhere I filed for bankruptcy in XXXX XXXX, In XXXX XXXX I entered into an Home Affordable Modification Trial Period Plan. In XXXX XXXX I was given Loan Modification. My interest rate went from 8.800 % to 8.675 %. I was also given a deferral of principal of {$150000.00}, with {$51000.00} taken off each year for three years. 

Company response: Company chooses not to provide a public response
Consumer complaint: I informed them that the debt was not mine. They stopped contacting me and instead filed a lawsuit. When I emailed to settle to be done with it, they told me to call, but did n't give me a phone number. When I responded saying they did not provide a real phone number, they responded telling me to call them again. 

Finally, I was able to find the number they never gave me online. I called to talk about the debt and XXXX XXXX told me they had filed to garnish my wages and did n't even know how much I owed. When I tried to talk to her manager about it, XXXX flat out hung up on me because I was n't " being very nice. " After two years of refusing to answer any communication from me, now they refuse to even let me pay a debt I never owed. Meanwhile, they have been reporting this account TWICE to the credit bureaus this whole time even though they told me they were not and would not. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid the XXXX bill in full in XXXX of 2015. It is over 30 days and now the Collections Agency I paid the debt to is telling me conflicting information. I need this account removed from my credit bureau account. Please have this corrected at once. It is holding up my mortage. Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am a XXXX Veteran that is trying to purchase a loan. XXXX trade line with Experian shows an " Account In Dispute '' for XXXX. I called Experian to get this removed because the XXXX system would not accept my loan application. Experian told me after many phone calls that I would have to contact the creditor. Experian said they will not remove the Account In Dispute Comment for accounts on collections that are over {$500.00}. This allows the creditor an opportunity to force a payment on the account. Even though the account is no longer in dispute. Here is what happens. 
-Individual disputes unknown item on their credit report-Experian sends the dispute to the creditor ( collection agency ) -Collection agency does not have to supply any proof, only respond back that the account is legitimate and the add " Account In Dispute in the comments '' -Several months pass and individual wants to buy a home and the XXXX system kicks it back. 
-Needing a home loan Experian uses that leverage to force the individual to contact the creditor and negotiate getting Accoint In Dispute removed. 
Essentially individuals are required to pay accounts that they believe are fraudulent under duress of needing a home loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: Disputed a collection account on my XXXX credit report i XX/XX/XXXX. The account was deleted. While checking my credit reports in XX/XX/XXXX, the account was back on my credit report. I was not notified that it would be re-inserted. Disputed the account again in XX/XX/XXXX, and the dispute results came back as verified.
Company response: Company disputes the facts presented in the complaint
Consumer complaint: XXXX XXXX XXXX XXXX sent a bill that was not supposed to go to collections to Americollect. I informed Americollect via FAX, email, and paper mail that 1 ) I am disputing the fact that the bill had gone to collections with XXXX XXXX XXXX XXXX, 2 ) I wanted debt validation, and 3 ) I wanted them to cease any attempts to collect this debt. Americollect failed to respond to any of these requests. Furthermore, XXXX of their agents attempted to collect a debt by contacting me at my personal cell phone number at XXXX. I filed a complaint with XXXX and XXXX about this issue and Americollect sent the attached letter as a response. Yesterday, I received another debt collection letter from the company. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I disputed several items on my credit report that have wrong balance and wrong dates, yet experian refuses to investigate the matter saying that it is true with no further investigation. Experian needs to be fined and forced to reinvestigate my dispute!!!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently received a full payment history and realized the following:1 ) When I modified my mortgage ( HAMP ) XX/XX/XXXX, Wells Fargo XXXX {$15000.00} to the principal without explanation. 
2 ) I was charged third party fees for my HAMP modification. XXXX for {$120.00} and XXXX {$50.00} fees. My understanding is that is not legal. 
3 ) Any monies I paid in excess of my mortgage payment were not applied to my principal balance. 
4 ) {$1000.00} incentive payments are applied in XX/XX/XXXX instead of their anniversary dates in XX/XX/XXXX. 
5 ) I should have received a {$5000.00} HAMP incentive payment on my 6th year anniversary on XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I spoke with XXXX XXXX form Bank America on XX/XX/2015 at XXXX XXXX. I informed her I was being represented by an attorney, and she needed to speak with my attorney. She continued to assert information when I again directed her to speak with my counsel. She asked me if I received a letter from the Bank, and I told her no letter was received to date on this account. It has been over 5 Working Days. I am requested harassing phone call stop since I am being represented by an Attorney and all communication be in writing to verify accuracy of information received or communication with counsel. The Attorney of Record is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXXTel : XXXXFax : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: This is with Credit Central of XXXX Alabama, fell behind on loan and can only pay XXXX biweekly, yet company continues to call my job after my manager and i both asked not to call. XXXX store manager advised if i paid my bills they wouldnt call with a very nasty attitude. This company is not professional and very belittling to clients. Since they are not governed under FDCPA, they feel they can practice like this. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a mortgage with US Bank and was advised in the beginning to open a bank account to get a lower rate. The mortgage was refinanced and I was not aware that the bank account would incur fees in the amount of {$25.00} at that point. I called to explain the misunderstanding and requested a credit which was agreed to. However, US bank took months to resolve so the balance went unpaid. In fact, I never made any payment towards those fees ( which grew to {$75.00} in late charges ) because they agreed to waive them. Eventualky, the fees were credited and I assumed that their agreement to cancel the fees meant a full resolution had been reached. However, the process after they agreed to waive the fees took months. I called us bank month after month because the fee they promised to reverse was still on my statement. Each conversation a US Bank rep promised to have a " manager '' take care of it. I did n't know that their incompetence was adversely effecting my credit. Once it showed up on my credit report, I requested a dispute through the credit bureaus as directed by US Bank since they would not provide any other assistance. I was told by us bank that there was nothing they could do. The results of the dispute merely updated the length of outstanding fees. I had a number of mortgages with us bank over the years and they were paid thousands of dollars in interest. I find it descipable a hidden fee of {$25.00} that they agreed to waive would negatively effect my credit after numerous phone calls dealing with their own incompetence. In addition, the results of the credit bureau dispute should have been a full deletion given the facts. This may be the result of laziness or biased treatment but I will continue to pursue the only acceptable resolution of full deletion from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an on the Job Injury. XXXX did not pay {$700.00} while I was going to XXXX XXXX XXXX XXXX. XX/XX/XXXX It was sent to Ray Klein Inc. dba Professional Credit Service. I was then put on SSI. 
XXXX XX/XX/XXXX Ray Klein Inc. dba Professional Credit Service Garnished my savings from an out of XXXX Credit Union for {$1400.00}. I spoke to An Attorney XXXX XXXX an was told this was illegal. 
Spoke with XXXX XXXX employee of Ray Klein inc. dba Professional Credit Services he said to fax copies of bank statements showing my SSI direct Deposit and copy of Bank statement showing where I sent the deposit into savings. I would be refunded. I did send copies. I am contacted by XXXX XXXX Ray Klein employee dba Professional Credit Service she asked for the same thing I refaxed paper work. I told her I want a " Refund '' of {$500.00} for the reimbursement of my SSI she said it would have to be a Loan I would need to make payments on. Now they have all my Bank info an I have to change to a XXXX card instead of a bank so they wont have my information. I have been lied to regarding this and I Want my monies back. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Yes I have been with LOAN MAX for 2 years and I have paid them over {$8000.00}. I have been paying {$630.00} a month for the last 12 mnths and that total 's - {$7600.00}. Now this is just so wrong for this company to treat and do people this way when they are down and need help. I understand that I have signed a contract but at some point this is REALLY BAD BUSINESS AND NEEDS TO BE ADDRESSED!!!!!!!!!!!. I HAVE BANK STATEMENTS THAT WILL SHOW EVERY MONTH WHAT I PAID TO THEM LATE OR NOT IT IS STILL MONEY GIVEN TO THIS SCAM COMPANY. I WILL NOT STOP ADDRESSING THIS COMPANY UNTIL SOMETHING IS DONE THIS IS SO WRONG ON SO MANY LEVELS. PLEASE SOMEONE HELP ME ADDRESS THIS MATTER. LOAN MAX XXXX XXXX SC XXXX XXXX XXXXFRAUD!!!!!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 'm currently dealing with issues between " XXXX of XXXX '' XXXX XXXX and " merchants and medical '' of XXXX. In a nut shell I received phone call on XXXX XXXX to pick up items left by a dumpster or I ' would be fined. Later in XX/XX/XXXX, while receiving no fine via letter or phone call from storplace, I received a phone call from m & m in attempt to collect. I explained what was going on to them ( m & m ), the guy whose name I do n't remember, said I undestand. That was the last I 've heard of it until I apply for my first mortgage loan. I found out the fine was turned over for collection on XXXX XXXX ( 8 days after phone call from storplace warning ). I just want this cleared from my prior pristine credit history as it is unfair and not ethical. Also the fine amount indicated by storplace via m & m is not mentioned in the contract. I have requested copies of my lease agreement from storplace, they said I would have to get it and all information from merchants and medical. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I sent disputes to Experian over 45 days ago and when they finally did respond they said they were " unable to honor XXXX my ] request.. '' due to a limited amount of information. This is not true! I gave them a reason for each dispute and detailed explanations. They are attempting to stall the investigation and this is unfair! My name has been defamed because of the numbers erroneous accounts they are reporting. It is my right to dispute these items and by law they must investigate and respond. They have failed to do their part and need to be held accountable! I want these erroneous accounts deleted immediately! I have given them more than enough time! 

Company response: Company chooses not to provide a public response
Consumer complaint: I am preparing to take a trip out of the country. I went to website for my credit card to determine if my card has XXXX transaction fees. According XXXX there is an underlined link that states " No XXXX Transaction Fees ''. However, when you click on that link XXXX it brings up a fee table that shows there is a XXXX transaction fee of 2 or 3 %, depending upon whether the transaction is in US dollars or a XXXX currency. I then called the customer service center for US Bank, and got a series of confusing answers, then a response that my account had no fees. I requested that the agent request that the misleading information be removed from the company website, but lack confidence that this will actually happen. I am concerned that if I use the US Bank XXXX XXXX XXXX XXXX in a XXXX country that I will end up with transaction fee charges and that the bank will point to the publicly posted fee schedule. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX filed a lawsuit against me in XXXX, 2015 even though the Statute of Limitations had expired. XXXX See attached copy of my letter to the arbitrator. ) It cost me {$240.00} to file an Answer in which I pointed out the fact that the SOL has expired, but a Judge in the XXXX Court of XXXX XXXX, AZ sent the case to an arbitrator anyway. The case is still pending and an arbitration hearing was scheduled for today, but PRS 's attorney decided to play by the rules and demanded 30-days notice, so the hearing has been continued but not yet rescheduled. 

I saw your lawsuit against PRS and the order that they dismiss all lawsuits filed after the expiration of the SOL, but these people are completely ignoring that Order and proceeding with this case against me anyway. What can I do to end this lawsuit AND get my {$240.00} back? Thanks. 

Company response: Company chooses not to provide a public response
Consumer complaint: What happened originally was that it was their misrepresentation stating no interest would be charged on an item purchased from Home Depot XXXX until relevant amount was paid off. But that representation was false. 
I offered them {$200.00} to settle the account but they refused to take it. And now the original amount, with all the interests added, is {$710.00}, when it was originally {$300.00}. They have to stop adding interests and accept a reasonable resolution of the matter, as what I have been trying to do. 

Company response: Company chooses not to provide a public response
Consumer complaint: I began receiving daily phone calls from XXXX ( a New Jersey number ) on XXXX. This is a number I do not recognize, and when I pick up the phone the response is silence even after waiting a few moments. I looked up the phone number online and apparently the phone number is coming from a company called Southwest Credit Systems but I have no confirmation of this directly as no one speaks on the phone when I answer the call. So far the phone calls have occurred on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

It appears this company is a collections agency. I checked all XXXX credit bureaus and all of my bills are paid in full with no issues. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Received communication from XXXX XXXX XXXX ( XXXX ) stating I owed them for a defaulted private student loan through Peaks for attendance at XXXX XXXX, XXXX, SC. I requested debt validation because I never applied for a private student loan while attending XXXX. ERS provided me with a copy of an application/loan agreement that was e signed on XX/XX/XXXX. The enrollment period for the loan was XX/XX/XXXX to XX/XX/XXXX as listed on application. My last day at the school was XXXX/XXXX/2010. I provided an official letter from the school 's registrar that certified my dates of attendance from XX/XX/XXXX to XX/XX/XXXX. It is apparent that someone fraudulently applied for a loan for a periods of time when I was not enrolled at XXXX. These negative actions have ruined my credit as they are reporting as a defaulted loan in collections that continues to update monthly. I had no knowledge of this loan or its collections status until contacted by ERS. I faxed information to ERS to investigate and am awaiting a response to what the corrective action will be based on documents they provided. Peaks Fist Associates the original lender have no record of this loan and referred me to back to ERS. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I ask for a copy of my payment history dating back from now until 2007 for creditor XXXX and experian or XXXX can provide me with my account history dating back to the beginning of loan 

Company response: Company chooses not to provide a public response