AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I had XXXX different accounts with Bank of America ; credit cards, a mortgage, etc. Many were paid off and closed naturally. XXXX of the cards were placed in a payment plan as part of a settlement. The settlement was paid off and the accounts were closed. Bank of America was supposed to mark those accounts closed and paid. They only did this with XXXX card. After several disputes with them, they finally fixed it. I have been constantly contacting them as well as via the bureaus to correct the other card which was part of the settlement and they up until now have refused and continue reporting this on my credit report as an outstanding and open debt. Finally, the credit bureau ( XXXX ) told me that if I wanted to obtain the copy of the proof BOFA is claiming that I have to contact Bank of America directly. I have contacted them and spoken to many representatives including management and up until now, they have yet to come up with or show me any proof that this debt actually exists and/or is still outstanding. Meanwhile, they have definitely hurt my credit by constantly reporting the false information to the credit bureau. I have had XXXX accounts with them and all accounts but XXXX state paid in full but this XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: amount that was sent to collections was {$1500.00}, collection agency is now looking for XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I paid off my home mortgage on XX/XX/XXXX. Bank of America wasmy mortgage company. I checked my Bank of America account on XX/XX/XXXX and found that the full amount of my mortgage still showed as outstandingalthough I paid off the mortgage using a cashier 's check ( as requested by BOA ). 
When I checked on this further I was told that the bank made a mistake andcredited my payment to another individual 's line of credit account. The matter wasthen resolved and my mortgage balance was reduced to {$0.00}. However on the XX/XX/2015, BOA withdrew {$1400.00} through the ACH account I had setup to process my mortgage payments. Once again, after paying off my mortgagein full, BOA withdrew yet another mortgage payment. On XX/XX/XXXX Icontacted BOA again and told them what they had done. They informed me at thattime that they would reverse that charge and I would see it appear in my Suntrustchecking account on XX/XX/XXXX or XX/XX/XXXX. Today, XXXXI contact BOA since I have not seen the reversal. I was now informed that thereversal would be returned to me as part of the refund of my escrow account andI would not see that refund until the XX/XX/XXXX. 
In summary, although I paid off my mortgage on XX/XX/2015, BOA without authority, misappropriated {$1400.00} from me and are now saying that they will notreturn it until they have had it for one full month. It appears that this is an easy wayfor BOA to tap financial resources not belonging to them and to use them for onemonth interest free. Multiply this by the number of people who pay off theirmortgages every day and you can see just how much BOA is reaping. Of coursethis assumes that BOA will return my money by XX/XX/XXXX, but I haveno confidence they will based upon what they have told me thusfar. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently had a claim of hail damage to my roof with XXXX XXXX. I received a check in my name and my mortgage company. The new roof was put on XXXX XXXX. Ditech, my mortgage company, will not sign off on the check from XXXX XXXX until they receive a copy of the insurance adjusters estimate, and an itemized written estimate of repairs from the contractor and a properly completed XXXX form from the contractor! Then they will send out their own adjuster and check and then they will pay the builders. In the meantime, my roof is completed and inspected and I need to pay the builders out of my own pocket! My insurance company has never heard of this! I really feel like this is not my home!!! 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Enhanced Recovery Corp entered a fraudulent entry on credit report which had been previously removed as a result of ID theft in 2014. This fraudulent amount is allegedly for XXXX XXXX XXXX, which I have never had ( I use XXXX ). When I called their XXXX phone number, they said there was no account with my name. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is the letter XXXX wrote that says I do not own the bill because is was not turned into the insurance company in time by the doctors staff / XXXX XXXX / XXXX / XXXXXXXXXXXX. 
On XX/XX/XXXX XXXX pended the claim for XXXX XXXX for x-rays performed at XXXX XXXX XXXX for additional information. The additional information we were requesting was in reference to pre- existing condition. This information was sent to the customer since XXXX XXXX XXXX was not the ordering provider and would not be able to provide this information. Since we are showing that this information was never received from the customer, the provider then has the right to bill the customer. On the other hand if we reached out to the provider for this information and got no response as a contracted provider they would not be able to bill the customer. 
At this point the only way we can resolve this issue is if you are able to provide us with the pre- existing information we were requesting and show proof of when you originally submitted this to XXXX . This would have had to have been received by XX/XX/XXXX to be considered timely response. 
Any questions please contact XXXX customer service at XXXX confirmation # XXXX. 
Thank you and have a great day. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX PA XXXX : XXXXXXXXXXXX, unpublished property of XXXX. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I disputed in the latest part of our case, number was XXXX. 
XXXX XXXX and XXXX XXXX could not get my full response inside the small box, so I did say that in my pushing dispute I have to open a new number to our case. 
I tried to attach the response letter, but it looked like it did not attach like the rest of my previous attachments did. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX and XXXX representatives have been repeatedly calling me and everyone I had listed as references on their application, friends and family, calling them repeatedly, even after they said to stop calling, but continue to call XXXX times daily since XXXX XXXX, 2015. They have also inappropriately shared sensitive information to these XXXX parties. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A refinance mortgage loan application that has take 11 months and still no closing date yet. 
I start the application in XXXX 2015 and a credit report was pulled them, three months went by and another credit report was pulled without my authorization. After that I was promise that it will take another month and we will be closing by them. XXXX came in and the loan officer disappear without even a courtesy note or email. They brought another officer that is trying to joggle all the mess that it was thrown on his plate, still the people that he have to rely on to complete the process seem to be incompetent. The estimates were all so off that they ask me to take a loan against my XXXX to cover the closing cost. The only reason I have not pull the plug is because I am so compromise and I am not feeling well to start all over again. This probably will be my last mortgage process. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a vehicle from drivetime. In XXXX I could no longer pay for the vehicle. I voluntarly gave them the address in XXXX where the vehicle was located. They picked the vehicle up shortly afterwards. They have it listed on my credit report as involuntary repossesion. They are falsely reporting information on my credit report. There is no way they could have known where the car was located unless i told them. Reason being my son was driving it down at school at XXXX. My address and address on my loan application is for XXXX NC. When I told them where the vehicle was my son removed his belongings from the car. I spoke with a gentlemen today XXXX XXXX at Drivetime finance he read in the notes it was voluntary. As soon as I informed him that it was listed on my report as involuntary he quickly changed his story. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received a Letter from OPORTUN ( XXXX XXXX ), PRE-QUALIFIED LETTER, WITH RESERVATION NO. INFORMED ME I QUALIFY FOR A STARTING {$1600.00} LOAN! HOWEVER, WHEN I WENT TO THE COMPANY FOR A LOAN, THE TOLD ME THE LETTER WAS JUST FOR ADVERIZEMENT PURPOSE AND THAT I WOULD NEED TO ANSWER QUESTONS TO PRE-QUALIFY, ONCE YOU PRE-QUALIFY ON SITE, THEN YOU HAVE TO APPLY FOR A LOAN! THERE LETTER SENT IS MIS-GIVING AND MIS-LEADING! THEY TOLD ME I WAS APPROVED AND THAT I WOULD GET A CALL AND I WOULD PICK UP THE FUNDS! HOWEVER, WHEN THEY CALLED, THEY ASKED FOR A CO-SIGNER! WISH I REFUSED! THESE ARE JUST TRICKS TO GET YOU INTO THEIR AGENCY! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a joint checking account with my mom. I keep it open because it allows me to have free checking on my individual bank account. I went to Bank of America in person with my original marriage license in order to change my name on my accounts. They will not allow me to change my name on the joint account unless the other person is at the bank with me, yet they will allow the other person to close the account and take the funds without my knowledge. As a joint holder I should have XXXX access and be able to change my name with the proper legal documentation. 

Company response: Company chooses not to provide a public response
Consumer complaint: My Macy 's American Express account was compromised resulting in approximately XXXX of fraudulent charges being made on the account. Even though these charges were flagged by fraud protection, they allowed multiple charges to be made to my account. Following my immediate response to fraud protection identifying the fraudulent charges, I was assured that I would be sent a fraud claim for processing and to not pay on the fraudulent charges. I never received the fraud claim. Upon following up on the claim form, I was provided XXXX different scenarios by XXXX different Macy 's American Express fraud department personnel about what action to take regarding the balances and how they would be reported to the credit bureaus. I am on call number XXXX and on hold again waiting for a supervisor to give me what I hope will be correct information. I simply need to know if I have to pay interest and fees on the fraudulent charges to avoid being reported negatively to credit reporting bureaus until the issue is cleared up. XXXX different people gave me XXXX different answers. None seemed to independently be able to explain what happens in terms of credit reporting on my account in regards to this issue. That is just unacceptable. They recommend that I do not pay the fraudulent charges but can not explain the credit reporting scenario associated with me not paying those balances. It is unconscionable to me that Macy 's American Express would allow flagged charges to proceed and then - not mail me the fraud report timely - or explain what transpires with the associated credit reporting scenario. I have excellent credit and find their level of incompetence unacceptable for an agency that can report damaging financial information to my credit report after they allowed obviously fraudulent charges to be made to my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was at work and the person never would identify himself and kept asking me to identify myself, and when I did, I informed him that I needed to know who I was speaking with, he got smart and said I told you who I was and stated XXXX XXXX from Wells Fargo. As I told him it was put in writing not to contact me and you should not be contacting me, he stated that he was calling in regards to collecting a debt, and I stated again that Wells Fargo and the collection agencies that they have hired know not to call and he acted like it did not apply to him and kept harassing me with conversation regarding a debt, I am at work and I hung up and submitted this complaint 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a settlement offer to pay off my debt for my XXXX XXXX credit card account from Progressive Financial Services. I received this offer on XX/XX/XXXX. I sent the settlement offer amount on XX/XX/XXXX ; documentation to support. Over the last year I have received several notifications that I still owe on this account, and several collections agencies have sent me letters ; documentation to support XXXX agencies still trying to collect this debt. I found out today, XX/XX/XXXX, that this debt is still active against my credit report and is effecting my credit score. I want this debt erased, and I want my credit score adjusted to when I actually made the settlement payment back XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid off auto loan VIN XXXX with XXXX about 5 years ago. XXXX was to have released lien on my vehicle. XXXX had an obligation to electronically clear my title when the load was paid off. 

When I called XXXX to have it released they stated that it would take 24-36 hours. 

I beleive XXXX has a pattern and history of failing to release liens. 

Company response: Company chooses not to provide a public response
Consumer complaint: As of XX/XX/XXXX I have been seeking help from my bank .SELECT PORTFOLIO SERVICING, the process was back and forth with documents. During the process, every time I follow up over the phone, representative says that I am not qualified because I have done a modification before and could not do it again. After a year XX/XX/XXXX received a denial letter showing NPV. 
This year my husband got laid off and all we are seeking is for us to start anew from our behind payments. Started processing application on XX/XX/XXXX and same thing.. 
1 ) Documents processing is too long..Thought processing take only 30 to 45 days. but asking back and forth for documents2 ) sent all the application together with the attached documents, bank statements, pay stub, tax return and others. Calls to verify if threy received..said yes but everytime I call to verify or follow up once a week, a new documents needing again. Asked to process because im afraid theres an expiration to each documents categories. My account manager said " NO '' theres no expiration. Then talked to another representative, ,yes there is an expiration. I am still sending documents here and there. Theres a lot of things happen 8 months. Within 8 months they still asking for documents. Last one is the statement..they said that I have not circled my income within the statement. But I circled it previously, keep sending it until wait again for another expired document ... .then theyre going to ask to send again. 
please..all im seeking is an answer and help. These faxing back and forth is a time consuming and its expensive per document. Please help.. bank statement will expire in another month..and pay stub will expire in one week..and no answer yet. All I receive a call is when they ask for documents to resubmit or say it expire. I hope to hear from you soon.. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America has not responded to me in regards to my current situation. I have sent Bank of America a contract ( see attachment ) to sell my property as I want to avoid foreclosure. The title company has faxed the contract over to Bank of America and also has not received a response. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a new issue with Wells Fargo Home Mortgage. In XXXX I had this loan discharged in bankruptcy. Because I am XXXX XXXX XXXX and protected by SCRA they could not come and foreclose on the home included in the bankruptcy. I am currently trying to get financed for a new home loan and when the underwriter pulled a Fraud Risk Score it showed XXXX separated dates in which Wells Fargo filed a Notice Of Default XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I never received any NOD in the mail and I question the authenticity and legality of it. In XXXX we sold the home that was financed by Wells Fargo no one informed us that we could attempt to sell it after bankruptcy. When we filed bankruptcy we owed Wells XXXX the home sold for XXXX and we still had to close as a short sale because of all of the ridiculous fees Wells charged. It 's time that someone looked into this situation we have filed numerous disputes without action. How much destruction is XXXX company allowed to cause before action is taken. I will now not be allowed to get financed for a new home because of the Notices of default placed on my record ; this puts my family and future in even further distress. I called and asked Wells Fargo for letters stating that " the NOD was filed in error but we are continually put off. I am attaching the Fraud report and my bankruptcy paperwork as evidence. Thanks, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Documents supplied according to the Creditor ( I never agreed to any service or product ) - show agreement of debt but the documents are not any agreement but a receipt of my own personal belongings that were returned to me. Please see the complaint mentioned above- BCFP suggested that I dispute this negative report to the collection agencies through you since I have already disputed it with the original " creditor '' without results vs the debt collection agency complaint that I had already filed. 
Please reference previous complaint # Per Complaint # XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I received my annual escrow analysis. Turns out they had been overdeducting to the tune of {$3400.00}. I called and asked for my refund and was told that it takes 30 days. That is not reasonable. Miss a payment for 10 days and you get a penalty. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a XX/XX/XXXX XXXX XXXX XX/XX/XXXX financed by Ally XXXX and directly setup auto pay through the website to ensure that not only was my payment on time, but I was paying extra every month with the intention of paying the principal down, and paying the loan off early. After 4 months I realized that my extra payments were n't being applied to the loans principle amount so I called. Then I was informed that this " could not be done automatically '' in any way, shape, or form. I was told that if I wanted the extra paid to principle then I would have to phone them every single month and literally demand that extra be applied to the principal. It is there policy to apply that payment " forward '' to a time that doesn'teven exist yet, so as to maintain the " status quo, '' and not lose a single penny in interest that would have accrued on the principle loan amount. This policy of forcing customers to call every single month to have that extra money applied to the principal is, in effect a firm of bullying and harassing their customers into just giving up and letting them charge interest on money that was already paid them! 
I can provide documents showing how my payments were paid in advance, and applied to periods of time that do n't even exist.. yet! 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX states that I owe them {$390.00} for discontinuing service with their company while under contract. I claim that I was not under a contract when I discontinued service with their company. I have asked XXXX XXXX to provide proof of contract, and they can not. They have turned my account over to numerous debt collection agencies, and one of them ( Enhanced Recovery Company ) has listed the unpaid debt as a negative on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian : - i got turned down for a loan due to low credit score - got free credit report ( annual from all XXXX agencies - noticed a lien on all three - I was able to remove it on all but experian ; I tried to upload proof of the error - I canceled check that had the case number and all the relevant ( both sides of the check ) info that was generated by my bank, the upload kept failing due to the wrong file format ( even though the file format was correct as i am a XXXX ) then I mailed a copy of the proof along with copies of my drivers license, SS card and a utility bill to experian on XXXX XXXX 2015 and I have not heard back, in the meantime my fico score has dropped XXXX-XXXX points and I have been denied a loan. 
I am about to send them another letter via certified first class mail in hopes to get them to investigate the issue, ( which they have not done ) - I have attached the proof of payment 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX/ ERC : I was lied to as to the total cost of their services from day one. As their bills continued at a rate above what i had agreed to. I tried to discontinue service. I believe it took between 3 and 4 months for service to be turned off. finally they turned it off after i called and threatened law suit. 
I would like to see any and all agreements that i signed where i agreed to pay them this or or any amount of money. 

XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX is reporting I owe XXXX I have never had a XXXX account after talking to XXXX they informed me its is under the name XXXX XXXX I have never had the last name XXXX this is not my account. I am also contacting my State Attorneys office because this is not mine 

Company response: Company chooses not to provide a public response
Consumer complaint: I am unfortunately, a customer of US Bank and I hold Mortgage, Credit Card, Checkings/Savings, Home Equity Line of Credit accounts with them. US Bank Flex Perks travel rewards account # XXXX charged me an annual membership fee in XXXX 2015 for {$49.00} and I never knew about it as no note was sent to me, which is very unusual and objectionable. After which, they just kept going by adding interest and late fees till XXXX XXXX 2015, when I logged in to my account and checked the transactions, it was already past 60 days late. They never bothered to send me a note in any form that they charged me a fee and that it was late by 60 days plus. They were very prompt in reporting the same to the credit bureaus and sabotaged my excellent credit score of XXXX by XXXX points and I am not sure what else would be coming my way. I dispute any reporting of the delinquencies on my account and hold US Bank totally responsible for the damage caused and any future damage. It has been proved yet another time that these Big Monster Mega Banks do n't care an iota about their loyal customers. 

Company response: Company chooses not to provide a public response
Consumer complaint: I need to get a secure alert apparently somebody opened a account on my name that I did n't open on XXXX XXXX 

Company response: Company chooses not to provide a public response