AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My husband and I relocated to XXXX from XXXX in 2013. We lived in an apartment while we were house hunting. Our apartment lease was up in XXXX 2013 and we signed a home lease to begin XXXX 2013. We moved out of our apartment XX/XX/XXXX and returned our XXXX XXXX 'box ' to the local center. We both walked in and handed it to the XXXX XXXX employee. We asked if there was anything else we needed to do to cancel services, and he said, " Nope, you are good. '' We forwarded our address to our new home, and almost two years later, my husband received a call from a debt collector stating that we owed {$100.00} because the box was never returned ( we canceled our service and switched to XXXX when we moved ) -- and accused us of " stealing '' the box. He argued with the debt collector and insisted we had done this, but since the debt was so low, he agreed to pay the {$100.00} immediately because we are looking to buy a home and have been aggressively protecting our credit. We are now going through the loan process to buy a home, and our banker said that the XXXX XXXX credit hit knocked our score down XXXX points and we will not qualify for our home loan. Our banker has encouraged us to go back to XXXX XXXX and argue this " debt '' ( which we paid the first time we received a phone call ). After talking to XXXX customer service agents yesterday, they have " no record '' of our account and can not help us. It seems absurd to me that a company can literally ruin a family 's credit without any proof of our wrongdoing. Again, the " debt '' was {$100.00} and we would have paid six times that amount to keep our credit history in tact. Now, we are faced with not being able to buy a home for our family of XXXX. Please advise. This should be illegal! 

Company response: Company chooses not to provide a public response
Consumer complaint: My Mortgage was sold to Green Tree Servicing approximately in 2003? I have experienced many fraudulent actions with them. 
I was told I had to take their insurance because I had let my insurance lapse, that was not true and I had to acquire proof from my insurance company that I had in fact never lapsed. So I won that battle, However : My Mortgage is not a XXXX Loan, It is in Ohio, the home is deeded to the property and Greentree refuses to acknowledge this fact. If I pay an extra each month, they apply it to my next months payment, It clearly states in my Mortgage that any additional payment is applied to my principle. I have also received XXXX statements that have been Higher the following year.I have never seen interest that you have paid go up! I have been collecting amortization schedules each year. The numbers change each year. I have brought this to their attention with no resolution. I turned a claim in to the XXXX, also with no resolution. I would like some help. I did have a Finance Annalist review my amortization schedule and XXXX 's appropriately 5 years ago and they felt that Greentree with misapplying, has created a balance that is approximately {$10000.00} to their favor. I would like to know how to get help with this issue! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo neglected the security of my account by letting funds be removed beyond the credit limit without my consent. 

While looking for employment I was conned by a company, XXXX XXXX to make purchases for them. They put funds from a XXXX XXXX Account whose account and routing number are XXXX & XXXX into my Wells Fargo Prime Equity Account so I could make purchases for them from my account. Wells Fargo had a rule to wait 7 business days for them to clear before making the purchase which I was told to make sure the XXXX XXXX account that was depositing the money was reliable. After the 7 business days had passed I was assured that the funds deposited were good and I made purchases on that account using the Credit Card connected to the account of over {$10000.00}. Once the purchases were made and shipped, Wells Fargo allowed without my consent the funds of {$10000.00} to be taken away and put in back in the XXXX XXXX account. 

I had tried to contact the Employer, XXXX XXXX and Wells Fargo Fraud department but to no avail I was held responsible for the funds. Now Wells Fargo is not only claiming no responsibly for letting the funds go back to the XXXX XXXX Bank but they are Charging me for an overdrawn account, interest on the account and are requesting me to forward the {$10000.00} which I do n't have or face foreclosure. 

Wells Fargo, the Federal Trades Commission and the XXXX have information on the employer and the XXXX XXXX Account, however either have made a move on the going after the employer or the bank. I do not have the authority to do so. I only ask that Wells Fargo the FTC and the XXXX work to get the stolen fund of {$10000.00} back. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am putting in a complaint because I am trying to upload my ID and utility bill to the experian upload website to have my extended fraud alert removed from my credit profile and it is not letting me upload my documents, it is telling me to mail in the form. I have added a security freeze on my report already and want the alert to be removed as it is becoming a problems in getting financing. 

Company response: Company chooses not to provide a public response
Consumer complaint: first all of the major credit reporting agencies are reporting wrong information on my reports. they are incorrectly reporting wrong personal information, wrong account information, and credit inquiries I never applied. I have disputed all of these items, have sent all required information such as driver 's license, social security card and utility bills. 
a day or XXXX later I receive the same email asking for the same identical information. I faxed the same over and over. the fax confirmation tells me the fax went through " ok ''. 
I have not been able to get my credit reports for the last XXXX years because they either ask for information that I have no idea about, or they tell me I am not eligible to receive my free annual report. I had to file for bankruptcy due to i.d theft, at which time they finally let me get a free credit report. I had a fraud alert on all of my bureaus prior to the I d theft, but yet someone was able to obtain fraudulent credit in my name and I was never notified. I asked the bureaus back then about this and their response was we did n't have the correct number to call you. if this was the case then credit should have never been granted. 
these credit reporting agencies are nothing more than a criminal element govern by finance companies. these credit reporting agencies should be investigated and penalized for violating people 's rights to contract as per the " fair credit reporting act '' 

Company response: Company chooses not to provide a public response
Consumer complaint: My mother, XXXX XXXX XXXX, purchased a Certificate of Deposit in the amount of {$8000.00} from XXXX on XXXX XXXX, XXXX. She kept a lock box on her dining room table with all important documents. She passed away XXXX XXXX, XXXX. My only sibling and I decided to let this CD continue to mature. He and I agreed that I should remain custody of our mothers personal matters. He was a homicide victim in XXXX XXXX. He left no heirs. I have known where this CD has been kept since her death. I decided in XXXX to negotiate the CD as it is now 29 years old. I went to Wells Fargo ( who merged with XXXX XXXX in XXXX ) and presented the original CD and was referred to a banker who after seeing the item referred me to a different banker to help me. My mother left no will, so the bank sent me to obtain a " Affidavit for Collection of Personal Property '' I filled out the paperwork, had my signature notarized and returned to the bank. I was then informed that this issue would be " escalated '' to the branch manager. The bank made photocopies of all my paperwork and asked me to give them some time to " investigate ''. When speaking with the bank manager, XXXX XXXX, she agreed with me that the certificate is the original, I then pointed out to her several " highlights '' of this particular CD. ( at the top, it states " continuous-no renewal necessary '' and near the center of the document it states " upon presentation and surrender of this certificate ) ... please see the attached copy of the document ). I returned to Wells Fargo located at XXXX XXXX XXXX XXXX yesterday ( XXXX ) and made contact with the bank manager who told me that even though she had " escalated '' my case, the entity who she sent my case to has declined to negotiate this CD. I sincerely believe that my mother would have surrendered this CD, IF she had wished to negotiate this document. Wells Fargo is unable to offer proof of when they cashed this CD. XXXX XXXX ( before she sent a copy of the document to whoever could assist her in this matter ) agreed with me as I pointed out the phrase " upon surrender of this certificate properly endorsed '' clearly stated on the document that I was attempting to " surrender '' it. My belief is that this document : a ) has never been cashed ; no entity would " take someone 's word ( my Mom 's ) that they had not cashed it and give my mother the value of the CD plus any interest it would have earned, b ) was never lost by either my mother or myself. 
I feel that Wells Fargo should negotiate this CD ( face amount PLUS any and all interest earned for 29 years and 1 month ). 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX AZ XXXX ( XXXX ) XXXX XXXX ( cell ) 

Company response: Company chooses not to provide a public response
Consumer complaint: The loan was for XXXX, I was charged XXXX monthly and they expected to collect payment for nearly a year! I could n't understand the woman on the phone when she explained the fees, I told her that but she kept pushing and finally just put it through. I did n't exactly agree, I just said I guess it was OK because I could n't hear what she was saying and she would n't give up, then she pushed me into direct withdraw from my bank even though I wanted to mail payments in. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Please see the attached letter. -- especially the sections about ( i ) Green Tree 's post-XX/XX/XXXX-Settlement lies XX/XX/XXXX, to the effect that my house was going to be sold at foreclosure on a " sale date '' of XX/XX/XXXX, and ( ii ) Green Tree 's utterly unreasonable proposed loan-modification terms requiring me to take on an entirely new debt to Green Tree ( of roughly {$250000.00} ) without even extinguishing the original, existing note to XXXX ( originally {$280000.00} ), which XXXX purportedly still owns. 

I am challenging the foreclosure in the District Court for the District of New Jersey, and neither that Court nor any other has ever ordered or authorized any foreclosure sale. 

Green Tree has also violated both the XX/XX/XXXX GMAC/ResCap settlement order and the 2015 settlement order by failing ( i ) to send me the mandatory package informing me that I qualify for the automatic XX/XX/XXXX " Settlement '' loan-modification and ( ii ) to send me final automatic loan-modification documents for my signature after the XX/XX/XXXX settlement, without forcing me to submit a new loan-modification application with new documentation. 

Green Tree should be held in contempt for violating both the XX/XX/XXXX settlement and the XX/XX/XXXX settlement. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I mailed a letter to Medical Business Bureau in XXXX disputing these accounts and demanding legal validation. Not only dod I never receive a response but I see a new account on my current credit report I knew nothing about. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I discovered an unknown medical account dating back from XX/XX/XXXX on my Experian credit report so I filed a proper dispute with Experian by way of certified mail as they are the only credit reporting agency that is reporting this unknown medical account. The certified letter was sent on XX/XX/XXXX Experian received it on XX/XX/XXXX and I received their response XX/XX/XXXX. Experian said that XXXX had verified the account and if I had any other questions concerning the account I should contact the collection agency. I sent XXXX a letter by certified mail on XX/XX/XXXX which they received on XX/XX/XXXX asking them for validation of the account but I have never heard anything back from them. I sent another dispute letter certified mail to Experian on XX/XX/XXXX stating that XXXX XXXX XXXX XXXX had not responded to my validation request and has provided no verification of any kind for this account. I also included in the second dispute letter to Experian a copy of the letter I sent XXXX XXXX XXXX XXXX and proof of their having received it. The second dispute letter sent to Experian asked that the aforementioned unknown medical account be removed from my credit report due to XXXX XXXX XXXX XXXX XXXX failure to provide any validation of the account what so ever, this letter was received by them on XX/XX/XXXX. I then checked my Experian credit report on Friday XX/XX/XXXX and discovered that this unknown medical account was still reporting with these new statements included, " Reinvestigation information this item remained unchanged from our processing of your dispute in XX/XX/XXXX '', and this " Collection as of XX/XX/XXXX ''. Experian 's refusal to properly investigate this is a violation of the FCRA and FACTA. 

Company response: Company chooses not to provide a public response
Consumer complaint: Loan # XXXX XXXXSpecialized Loan Services, LLCSince XXXX 2013 I have had issues with Specialized Loan Services. I have spent over {$100.00} in USPS Certified Mail this year alone requesting information and help with my account and payment history and have not received any replies to these requests. Per the attached XXXX documents, I am requesting they remove my escrow account from my mortgage and make me responsible for paying for my flood insurance, homeowners policy and taxes. I will be responsbile to provide them proof of payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I wrote National Credit System in XXXX disputing this and demanding legal validation. They ignored my request and are still reporting it to the credit bureaus. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I 've never been a day late nor a dollar short on any payment. I got a loan modification without missing ANY payments. Approximately 3 years ago, Wells Fargo reported that I missed XXXX payments. I disputed that via this website and was shocked to receive a call from Wells Fargo apologizing for the error and promising to remove the false derogatory from my credit. They did, but a while later they put it BACK on. I disputed it again, and again they removed it. Now I am refinancing, and they are reporting that I missed XXXX payment 40 months ago. LIES! How do I stop these miscreants from persecuting me this way? I am in mid-refinance, and this derogatory has already cost me {$3000.00} - it may cost me my loan lock at 3.625 % as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a collection notice from Enhanced Recovery Corporation, XXXX regarding a debt that is not mine from XXXX XXXX in the amount of {$2400.00}. I have never had an account in my name with XXXX XXXX. I checked all XXXX credit bureaus XXXX XXXX and all do not show this alleged debt. My credit score is XXXX and I am concerned that this action will affect my excellent credit score. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am requesting that a lien to be removed from my car and title. I was never told when I financed the vehicle that there was a lien or that it was a rental car. After I received my title 3 months into my finance I noted a lienholder on my car. After further investigation from car faxes this lien is from the original owner and was taken back by Ally financial who Auctioned the car to the dealership I financed it from less than a month from my finance. I talked to the FDIC who stated I am not responsible for this lien and if after contacting both the lienholder who happens to also be the financial company of my used car finance and dealership that I could not get it removed, to contact you and make a complaint. The representative from FDIC I spoke with stated the seller is to satisfy the lien on the used car I purchased from them before I financed it 

Company response: Company chooses not to provide a public response
Consumer complaint: We closed on a home and need to forward the funds to current mortgage. We had the escrow officer deposit the amount to our Wells Fargo account as a cashiers check so it would be available within a day but they are holding it for more than seven days! Our escrow officer said that was illegal to detain our funds and so we are following up with the appropriate agency 's involved. 

Company response: Company chooses not to provide a public response
Consumer complaint: A promotion for home improvement services regarding deferred interest was promised for 24 months however the credit card company only entered 12 months into its system. Once the credit card company was made aware, I was informed it would take a minimum of 60 days to correct the issue, during which time the monthly payment increased by approximately {$600.00} and there was no guarantee that there would be no interest collected during the 60 day correction period. 

Company response: Company chooses not to provide a public response
Consumer complaint: I agreed with the dealership to return the vehicle since it was a lemon. I had transmission issues with the car from the time I baught it. I was repeatedly told they would replace car but kept getting the run around. The cars transmission eventually gave out and I was advised the issue would be resolved which it wasnt. I eventually stopped following up. When I tried to purchase another car I found XXXX XXXX had placed it as a repo on my credit which management said they would not happen. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I lost my job back on XXXX XXXX, 2015 and then on XXXX XXXX my wife and I had a baby. Knowing that we are in serious financial trouble I called one of my credit card holders, Wells Fargo, who holds my XXXX XXXX Credit Card ( Account : XXXX ) and tried to set up some type of plan to continue paying on my account, but with a lesser payment amount. I spoke to the CSR who was willing to try to help me, she kept going back and forth between her supervisor and I and eventually came back and said there is nothing she could do. I asked to speak to her supervisor and she transferred me. I then spoke with XXXX of collections and explained my financial hardship to him and he said there was nothing he could do. I just find it very upsetting that we are trying to do the right thing and make payment arrangements and they are unwilling to accept anything from us. 

Company response: Company chooses not to provide a public response
Consumer complaint: There was a summary judgement against me that was later dismissed. Experian still reports it as open. I filed a dispute in XXXX of last year, but they have n't updated it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have cut and pasted my e mail to Macy 's which explains the basicissue. I received a XXXX line answer. The posting of this on my creditreport has made my score drop dramatically. I can not believe they do nothave a XXXX time forgiveness, especially when they are partly to blame. 

-- -- -- -- Original Message -- -- -- -- Subject : Response to my XXXX Posting from XXXXFrom : XXXX ; Date : Thu, XXXX XXXX, 2015 XXXX XXXXTo : XXXXXXXXResendingGood Morning, Many Thanks for your quick response to my XXXX posting. 

My account number isAs I explained in my XXXX posting on XXXX XXXX I opted for electronic statements as the hard copy statements never arrived on a regular basis despite my complaining. I was also unable to download pdf versions and your IT department promised to fix this but so far not. I was constantly paying my account by logging in and paying the balance as soon as I seen it, or paid it in store when shopping. On the same day I enrolled as I thought in automatic payment which would really solve all of these problems, however what I actually did was made a XXXX off payment. An honest error on my part and something I was only doing so my payments would always be prompt, ( not that they were n't before ). I has a balance in XXXX that ran over into XXXX because I NEVER RECEIVED A XXXX STATEMENT either in hard form or electronic. I did receive a XXXX statement and paid it immediately as I then realized that I must not be set up for automatic payment. Macy 's listed my account as delinquent and it has now reduced my credit score by XXXX points. It also listed and will stay there for 7 years if you do not correct it. 

All your representatives kept telling was that XXXX statement wen out and it was basically just tough. There manner although no impolite was stand offish and they just kept repeating the same thing over and over again. 
I have spoken to a number of friend who have told me that on the odd occasion that they had forgotten to pay they received a reminder phone call - I never received any call either, as I would have acted immediately. 

I am asking that you first off look at my account record over the last 10 years and you will see perfect payments on time and some times way before due date. Surely this has to count for something and allow this XXXX accidental transgression to be waived. I am small business owner and my credit score is paramount to me maintaining and running my business and this listing could have a devastating affect. I am originally from XXXX, and as such have a large numb r of XXXX on a regular basis. XXXX of the highlights of the trip is always a large shopping expedition to Macy 's at XXXX XXXX XXXX were they spend a lot of time and money and avail of visitor discount. I would hate to have to discontinue these visits as a result of this unfair action you have taken. 

I look forward to hearing from you in due course and hope that common sense will prevail in this instance. 

My contact phone number isMany ThanksRespectfully, XXXX XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was seen at XXXX XXXX Hospital for XXXX ( mind you I had been released from XXXX XXXX hospital from an XXXX ) and released that same day. I did not have my medical card with me at the time of service. I had emergency medical which cover all my emergency visits. I did submit my medial card to the billing department about 3 days later. I was told by someone at the billing department they have received it. 4 years later I check my credit report and turns out I owe a balance of XXXX. I had just became a resident of the U.S and received my social security card and like everyone I wanted to start building my credit. Unfortunately, I could n't because of this issue in my credit report. This has been done fraudulent because I did have insurance at the time of service and I did submit proof of medical in a timely manner. I need this to be investigated and removed from my account. Also, Grant and Weber ( collection agency ) have added my wife XXXX XXXX onto this account. My wife is not liable nor responsible for this debt, she needs to be removed. They have requested a fraudulent inquiry on her credit report. 

Company response: Company chooses not to provide a public response