AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I applied for a VA cashout refiance mortage loan from Freedom Mortgage on XXXX/XXXX/XXXX for my home in XXXX MD. Credit, Income, appraisal and all other paper work went through without any issues at first. In my area there is XXXX contamination in the ground water so the EPA installed carbon filters in all the houses in the area as a precaution. They check the water quarterly and also contracted the XXXX water company to also sample the water on a monthly basis. This was the process that was already in place when I purchased my home in XXXX. The appraisal report which Freedom mortage reviewed also indicated the water contamination as well the fact that construction would be complete in XXXX of XXXX to deliver city water from the nearby city of XXXX. The loan underwriter did not mention any issues from the appraisal report which he forwarded to me indicating that the house appraised above the amount that I requested. 

A requirement of the VA was to have a water sample done so I contacted the loan officer to let him know that I could provide the EPA and XXXX water test. He indicated on XXXX that they would not be able to do the loan specifically because the VA would not allow it due to the well water contamination. I told him that I purchased the house in XXXX which they knew form my application so why would the VA deny it. He said that I could cancel the loan and reply after the city water was connected to my house in XXXX. I told him that I would lose my {$450.00} paid to the appraiser and {$200.00} for the termite inspection. He said that they might be able to give me a discount when I applied again. At that time I did not know what to do and he said they would put the loan on hold. 

I emailed him later that day asking to speak to a supervisor and she told me the same thing that the best they could do was put my application on hold. I contacted the VA with my case # and was told by the VA Representative that is handling my loan that they did not put my loan on hold. I was also instructed to contact back Freedom Mortgage and explain to them to that VA only required to have the water tested and that they could the VA Representative directly. I left a voice mail message and sent an email. I missed a call back from a different phone number that my loan officer and when I called back it went straight to voicemail each time without a recorded message or name. My loan officer has not responded to voice or email in over a week. Please note that each time I did speak with someone the first thing they said was that the call is being recorded and that even though they said my loan is on hold status I have not received any paperwork stating such and no mention about my loan rate which was locked until XXXX/XXXX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Message Body : I dispute all bills from XXXX XXXX XXXX, in due the fact I 'm under XXXX XXXX ASSISTANCE PLAN CODE XXXX. 
Please remove my name from all Collect Agencies XXXX 

Thanks! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am disputing the estimate for 2015 property taxes from Ally Financial on a leased vehicle. I have contacted the XXXX XXXX XXXX MO tax office and they do not agree with the 2015 estimate that Ally has provided me. Additionally, these funds have not been paid yet by Ally to XXXX XXXX XXXX. So not only is Ally attempting to collect an incorrect estimate, they are attempting to collect a debt that they have not incurred on their end and they are not contractually allowed to collect. I have disputed this in writing, yet they continue to call my cell and office number. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo bank engages in punitive practices by not accepting bank transfers into checking or savings, from other banks UNTIL the close of business on a day when the transfer bank shows the money has been successfully transferred out. This results in penalizing the consumer with Insufficient Funds fees to primary checking, and transfer fee penalties assessed to the consumer 's Wells Fargo back up savings or credit card accounts. 
Wells Fargo refuses to make proper credits to the consumer, and then has free use of the transferred funds until the close of business. This is PREDATORY. 

UPON COMPLAINT, Wells Fargo reversed the charges, thereby WIPING any trace of this fraud. Attached account records. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX XXXX, American Medical Collection Agency ( AMCA ) reported to XXXX Credit Report Agency an amount due of $ XXXX for an invoice from XXXX XXXX XXXX 

This amount was a billing error on XXXX 's part. They submitted the invoice to the wrong address for my insurance company, and when they resubmitted it, they failed to include necessary information. They continued to bill me in excess of {$900.00} for these services instead of billing me the reduced amount agreed to and contracted with my insurance company. 

It took me months to have them correct the invoice. I began communicating with XXXX at XXXX in XXXX XXXX, but the amount was not corrected until XXXX. During this time, XXXX XXXX told me that a removal of the disputed item from my credit report was impossible without rebilling my insurance company and starting over. XXXX eventually acknowledged their errors and reduced my invoice on XXXX/XXXX/XXXX to the correct amount of {$35.00}, and I promptly paid. 

I called AMCA on XXXX and spoke to XXXX, who said it was their policy to remove the item from Transunion within 45 days. I advised XXXX this was not a PAID bill issue ; it was an INCORRECT reporting issue from XXXX. She agreed and stated the company policy of a 10 business day period to remove the item from my credit. I confirmed that the item should not be marked as PAID, but should be completely REMOVED from my report. 

As of XXXX, the item was still on my XXXX report. I called AMCA and XXXX apologized and said she would investigate. As of today 's XXXX/XXXX/XXXX XXXX update, this item still appears as {$910.00}. 

Reporting a false amount to a credit reporting agency is a violation of the Fair Credit Reporting Act. I believe that XXXX XXXX as well as AMCA both violated this act. 

Today I will contact Transunion to begin a dispute process. 

For your information, there are XXXX complaints on the Better Business Bureau against AMCA for unfair billing practices. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: This is regarding a {$180.00} debt bought from XXXX XXXX. Stellar Collections contacted my father, whom lives XXXX miles away, and whom I have n't lived with in over 13 years and told him the date of the delinquent bill, the full amount, and was asking how to get in touch with me. Subsequently, my family called me and informed me of all of the information, gave me the number to Stellar and said that they wished for me to call. This is outrageous and I also intend to file the issue within the court system here in Oregon. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I authorized a credit card purchase of {$500.00} through XXXX using my BarClayCard on XXXX XXXX, 2015. I now see that they charged me interest and a cash advance fee for the purchase. This was not a cash advance fee. I believe that because I am using their special promotion of 0 % interest for 2 years, they are trying to get some kind of money out of me. I did not authorize a cash advance on my card and nor would I. They told me I needed to speak to XXXX, which I did on a XXXX call with Barclaycard. XXXX clearly stated that they charged my card as a credit, not cash advance. I believe they should refund my almost {$50.00} worth of fees for this transaction as they can not produce a disclosure stating I would be charged a cash advance fee for this transaction. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a complaint on XXXX/XXXX/15 with the CFPB on Allied Collections in regards to them not honoring a cease and desist to stop calling. The continue to call me, EVEN after I submitted a complaint. They called again today XXXX/XXXX/15 at XXXX. They do not care that they are breaking the law and in violation of the TCPA. I have attached proof that they called me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Yes, created a dispute with Transunion, but no dispute number or response. 
XXXX The Issue**On XXXX XXXX 2015, I was looking on line for XXXX plans, to activate my ( I owned ) personal phone with a pre-paid or pay as you go plan. I came across XXXX such plan with a monthly {$35.00} fee and no activation fee. I activated it & received an order confirmation ( attached here ) with " {$0.00} on fees & XXXX monthly ''. This was for emergency use by my XXXX yr old son and some how he lost the phone in a week. So on XXXX XXXX, I requested to disconnect & a partial fee request..which should have been ( 10 days XXXX XXXX = {$12.00} ). 
However I ended up receiving an invoice for {$54.00} ( that included a {$40.00} activation charge ). 
I have called XXXX & tried to resolve the issue number of times, mentioned about the order confirmation mentioning no activation charges. However they have been adamant and are forcing me to pay the activation fee. Which I dispute and I am not willing to pay. 
This has ended up in my credit history. I believe this is unfair and unethical. 
*****It seems more like blackmail by XXXX XXXX " pay up or we will spoil your credit history '' **Hence I would like CFPB to intervene and advise XXXX & Transunion to correct this negative information from my credit records. I do not have any other negative information on my records and this single event spoils my credit history by more than XXXX points. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently filed a complaint against Banco Popular de Puerto Rico regarding a mortgage modification ( XXXX ). I received a letter from them stating that I should call the lost mitigation department in order to discuss my alternatives. I called today, XXXX XXXX, in order to submit the evidence of my income and expenses. When the person on the phone made the evaluation of my case, she stated that since the deficit between my income and expenses was for {$700.00} the only alternative they could give me was to stop paying my mortgage for 3 months while my situation changes, and that I need to cut my expenses or make more money. Seriously, in what world are they living????? Is not like I can stop paying the electricity or the water services, or the student loans or anything. And is this ai n't bad enough, after the 3 months I should pay the three months that I have n't, at once, and continue with the monthly payments as they are. She said that the could have offer me a different option if the deficit between income and expenses was n't so big. I will like to know if this is even legal. I want to make a modification of my mortgage to be able to pay every month. They say I ca n't refinance because the property cost a lot less than when I bought it, and that I can make a modification with them because I wo n't be able to pay it. The only option they are giving me is to loose my apartment because they rather get no money instead of giving me a real option. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX, I applied for a secured card from Wells Fargo, and was approved. The secured card fee is {$18.00} per year. I was told numerous times that as long as I paid on time, and had my account in good standing, that my account would be reviewed every six months ( XXXX and XXXX ), and that I would be eligible for my secured card to " graduate '' to an unsecured card within a year as long as I maintained positive history with the bank. 

It is now almost XX/XX/XXXX, and while my credit score has improved drastically, and I 've been given XXXX additional credit cards - XXXX from XXXX XXXX, another from Wells Fargo ( which is unsecured ), Wells Fargo refuses to graduate my card to unsecured status. Additionally, Wells Fargo has, several times, increased the limits on both the secured and unsecured card, yet, they will not graduate my card, instead keeping my deposit, and charging me a yearly fee to remain a cardmember. This is fraud on their end, as I would have never signed up for the card if I had no possibility of being graduated within a reasonable period of time. Each year I 've had to pay an {$18.00} fee - for the first year ( XX/XX/XXXX ) this was acceptable, but for subsequent years ( especially after Wells Fargo had deemed me creditworthy enough to issue a *completely new, unsecured card* ), I should not have been billed {$18.00} and my card should have graduated. I 've now spent {$72.00} in fees ( {$18.00} x XXXX ) on a card that, I was told when I applied, would be graduated within 6 month - 1 year as long as I remained in good standing and paid on time each month. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello I have XXXX complaints on file with XXXX different Banks XXXX is Bank of America and the other is XXXX XXXX XXXX. The complaint with Bank of America is was at the hospital and the XXXX, office all day I need to go to medical records and get copy of medical report and on XXXX/XXXX/2011 I reported the card stolen to the manager at bank of America and customer service and the XXXX XXXX Police dept. Then the other bank XXXX I was at XXXX XXXX when someone stole money from it and then I ended up again at XXXX XXXX XXXX trying to get a XXXX, I was due to have XXXX surgery so me and a friend decided we should go to the beach but we both ended up in hotel room sick she is on XXXX and I was sick with the XXXX, any way none of this makes any sense because I am just XXXX person and the bank has many people and ways of saying that I am wrong but they are not giving me a chance to provide the information need because I always end up getting sick, anyway I may be fighting this till my death bed.. but I still need my money back because I would like to move from where I am living and I should have had enough money to do that between these XXXX banks they stole XXXX that 's my money from Social Security XXXX Settlement, the should be some type of Social Worker or someone somewhere that I can sit and talk with about my Identity being stolen. Besides having the banks not help solve the problem the IRS should note how people money get stolen from the banks every year or whenever it is stolen and not replace that revenue of a person money and possibly others that do n't get to spend their own money that are stolen by banks and employee of the bank. I got a police report of my card being stolen the very same day and I did report it to the bank even though they wrote some type of letter from their dept. XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. Both Checking and Saving Account at XXXX Banks fees and money missing. 

Company response: Company chooses not to provide a public response
Consumer complaint: In receipt of today 's billing statement dated XXXX/XXXX/15 from Wells Fargo and reviewing the previous billing statement dated XXXX/XXXX/15. The total payment due for XXXX/XXXX/15 was {$2400.00}, my deposit on XXXX/XXXX/15 were, $ XXXX $ XXXX {$820.00}, totaling {$2400.00}. In the XXXX/XXXX/15 billing statement the unapplied amounts were {$810.00} and XXXX. In today 's billing statement I know have total unpaid payment of {$2400.00} and a total payment of {$3300.00}. According to Wells Fargo there is also {$540.00} in unapplied funds balance. In previous correspondence, this is exactly the frustration that I described when having to deal with the Executive Offices and in particular XXXX XXXX XXXX XXXX XXXX XXXX. Which you will see in the previous dispute letter, I requested to have another point of contact assigned to me, due to her lack of knowledge, unprofessionalism, passive aggressive behavior and her inability to control herself, as she constantly talks over the client. I have additionally sent out a direct email to the CEO of Wells Fargo, in hopes that this request will take place. Due to the nature of my work XXXX XXXX XXXX XXXX and my hours of operation ( XXXX-XXXX/Monday thru Saturday ), it was my request that I not be contacted in those time periods. Today I received a phone call from XXXX XXXX at XXXX after I specifically requested, that in those times not to be contacted. Due to the safety and security of the Railroad workers, with whom I protect. In true fashion of XXXX XXXX and the Wells Fargo Organization and the lack of disregard for Railroad Workers personal safety, she continues to pick up the phone and contact me. Thus showing her passive aggressive boldness and utter lack of respect. It baffles me that Wells Fargo can not show where my deposits were applied to my mortgage account. The only response from Wells Fargo is, " We 're working on it ''. I have my records to show deposits made and unapplied funds to my account, which sit collecting interest on a daily basis. I have requested all correspondence in writing, as I understand and can digest everything more clearly in that manner. 

Company response: Company chooses not to provide a public response
Consumer complaint: This item is being reported to all XXXX Credit Bureaus and I never had any type of account with XXXX XXXX Library yet Unique National Collections continue to attempt to collect the debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I did not give XXXX XXXX to run a credit report to get service. I 've tried to get this off my hard inquirers Did not give permission. Please remove. Show me proof or remove from credit report please 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: My work transferred me from XXXX to XXXX XX/XX/XXXX. Back in XX/XX/XXXX we knew we were not going to have enough to make the mortgage payment and rent plus all the utilities associated with the properties. We went to Wells Fargo and was asking for help before the loan was 30 days past due. They said that they could not do a forebeance on the loan and the only XXXX options was a repayment plan for when we did miss the payment or a loan remodification which may not work because we were selling the house. So we entered into the repayment program in XXXX and they did not fully explain how it worked or that for those four months that we were on it it would continue to count late on our credit report. I even have a letter that makes it seem like it would not. Our last payment on that plan was in XXXX and even that month was reported late on our report. It just amaz d me and my husband that there was no help offered to us till we were late. Any help would be appreciated 

Company response: Company chooses not to provide a public response
Consumer complaint: Have received XXXX unsolicited notices requesting that I contact them about streamlining my FHA mortgage. First notice was ok. XXXX indicated that did not understand why I would not have contacted them.And third which I will attach, goes as " I wrote you twice before to tell you how historically low rates and recent FHA XXXX program changes give homeowners like you the ability to significantly lower your monthly payment. 
Please act now - at no cost or obligation. I 'd be delighted to show you how much you could save. Please call me at XXXX. Sincerely, XXXX XXXX P.S. Our FHA XXXX process requires no appraisal and normally takes less than XXXX week to complete. " Did not save the second notice but that XXXX indicated that they did not understand why I would not have taken any action after they contacted me. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: XXXX 2008 we requested a short sale from Countrywide on our XXXX XXXX property. We owed XXXX ; the offer was XXXX. We called and spoke with Countrywide Reps at least 50 times and were told it was being processed and then they sued us. The XXXX offeror gave up without an answer and bought another property. A new short sale for XXXX was presented. XXXX XXXX, Sr. VP Countrywide in CA called the buyer 's broker, told him to withdraw his offer, resubmit for XXXX and Countrywide would deliver the property. Countrywide also converted the property by locking us out, changing the locks and preventing us from selling to anyone. We wrote to XXXX XXXX, Bank of America CEO and send a complete file. a deputy called back, said they would check and we never heard from them again. Then BOA sold the mortgage to XXXX who added a new mortgage, perhaps XXXX XXXX. From 2008 until the present, we have never been allowed access to our home and XXXX has continued to destroy our credit beyond imagination. We now live in XXXX, are both XXXX citizens, and I am recovering from XXXX, XXXX 4 months ago. Saturday, we received a bill for over XXXX from the XXXX tax department for a property from which we have been prevented access for over 5 years. We have been harmed beyond imagination by a cadre of bankers and lawyers who ignored court rulings to review in good faith the offers we presented. We lost untold thousands of dollars not to mention an inability to protect our future, whatever it is. I have documentary proof of what I have written, names and numbers. 

Company response: Company chooses not to provide a public response
Consumer complaint: On or just before XXXX/XXXX/2015 after reviewing my credit report on XXXX I disputed a judgement that was filed in error by the Georgia XXXX XXXX XXXX at the XXXX County Superior Court with Transunion. I reported to them that the information never went to judgement and was filed in error. However, after receiving my dispute letter they stated the item I dispute is frivolous and they will not reinvestigated unless I had court papers or a authentic letter that explains what information should be updated. On XXXX/XXXX/2015, I called and spoke to a representative who stated they would take this information off of my credit report unless I provided documentation of this being placed on my report in error. I then explained to her that the Ga XXXX specifically states on their website that they do not report to credit agencies and they will not provide information to them. Therefore based on these facts I ca n't get them to remove this incorrect information from my credit report. I also explained to the person I spoke with at Transunion and told her that I have a copy of my email correspondence with the auditor at the Ga XXXX which specifically states that the lein was filed in error and I was told that they would not investigate unless I get the information from the state Of Georgia which they will not get involved in. 

Company response: Company chooses not to provide a public response