AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: The Bank of the West has the loan for my XXXX Dodge Challenger Rt. I sold it to a buyer from XXXX. The buyer sent a cashiers check to this bank in the amount of {$22000.00}. I owed approx. XXXX so the bank was to issue me a check for the difference. I called them to tell them the check would be coming and that I would not release the car until I received my part of the money. XXXX ( Manager ) stated that when I called the automated system and it stated the loan status as XXXX it would be ok to release the car to the buyer. On XXXX XXXX I called the system and my loan had a XXXX balance. On XXXX XXXX, 2015 I let the buyer have a tow company pick up the car, thinking I would be receiving my money soon. On XXXX XXXX, 2015 I had not received my check so I called The Bank of the West only to find out the cashier 's check they received was fraudulent as of XXXX XXXX, 2015. They did not notified me by phone or mail that my loan was still going to be due. They should not XXXX the loan out until 10 days or so have passed and the cashier 's check is cleared. I was paid ahead XXXX months so the payment is going to be due on XXXX XXXX, 2015. I refuse to pay them because it is their fault my car was stolen by deceit. I was trusting them to protect me. On XXXX XXXX, 2015 XXXX ( Manager ) called me and admitted that he told me it was ok to release the car when the automated system showed XXXX due and that he was sorry. He said he told me that as a courtesy. All these calls to The Bank of The West are recorded and I sent them the date and times of these conversations so they could review them, so they do have them on file. 
I hope you can help me in some way. 
Thank you, XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: false info from XXXX cancelled deal. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America is only paying part of my payment {$140.00} not {$430.00} towards my mortgage as loan I signed. I do not have escrow, I pay all of my taxes and insurance. This is reported as negative to XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: We recently refinanced our mortgage from an FHA loan to a conventional loan. Our loan was paid in full on XXXX/XXXX/15 and was expecting a refund of some interest paid since the payoff was valid until XXXX/XXXX/15 however my previous lender has told us that we are not entitled to any refund. I was very unhappy to find out that based on when our original loan documents were signed that interest is due on a monthly basis when a payoff is made and there is no per diem given. Apparently this policy is now changed since this process was found to be like a " prepayment penalty '', but I do not qualify under this change. I think this is very unfair to be charged almost a full month of interest when I really do not owe it! That is XXXX dollars that I will not be seeing back and I feel that should be changed. Why should we be penalized based on when our loan originally funded when the rule has now been changed!?! 

Company response: Company chooses not to provide a public response
Consumer complaint: deal was cancelled car was broke XXXX said it was repossed please remove 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15, several XXXX employees from Account Control Technology contacted elderly relatives from my extended family at ( XXXX ) XXXX. They claimed to work for the US government, which was a lie. They worked for a company called Account Control Technology. In addition to making false threats, this fraudulent company sent me a virus and impersonated US government officials over the telephone in violation of the Fair Debt Collection Practices Act and the Fair Billing Credit Act. I am the victim of identity theft and grand larceny. This fraudulent company stole my identity electronically. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: To whom it may concern, I disputed more than XXXX times on the phone regarding your request HO-6 insurance and escalated the insurance coverage certificate that I provided but your insurance team and servicing keep ping pong the issue each other and ignoring my proof insurance documents that the original mortgage company already accepted. My insurance agent told me that should cover the mortgage lender requirement based on the XXXX guide line. It covers Walls-In and I do n't have any improvements in the house so the current insurance certificate should be good enough as attached. 
I discussed XXXX ( loan servicing manager ), XXXX ( insurance supervisor ), XXXX ... but they just sent me letter saying that they will purchase the expensive insurance {$730.00} and will pass it to me which is not fair and very frustrated. 
I also have XXXX more investment houses in the same complex ( XXXX HOA ) with other lenders such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX but they never complained the HOA insurance certificate and never request HO-6 to me since this is a investment rental house. HO-6 insurance is for the primary resident homeowner not for investment homeowner according to the insurance agent. Please contact my insurance agent at XXXX any further question. 
If you have any question, please email me at XXXXXXXXXXXX or call me at XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased XXXX XXXX XXXX XX/XX/XXXX with a bank of America loan # XXXX. On XX/XX/XXXX the house caught on fire. After XXXX months of trying to get the contractor approved to build back the home ( after repeated attempts I even spent my own money trying to save my home ) Bank of American Had XXXX XXXX form XXXX ( XXXXXXXXXXXX ) call me to force me to sign over my property in Deed in luei or a short sale. I was not given the chance to build my home back and refinance with my credit union as planned. I have also contacted XXXXXXXXXXXX to join a lawsuit against bank of America for forcing foreclosure on me and keeping my insurance funds. I repeatedly contacted them regarding the XXXX they kept from the Insurance and after XXXX months the did transfer me $ XXXX and kept $ XXXX. After keeping the XXXX they also wrote the IRS that I own them XXXX in debt write off even though the XXXX documentation and there documentation stated they would forgive the balance entirely and no debt would be sought after me. I have called repeatedly and hired an attorney XXXX XXXX to get me back my XXXX that I am owned. This bank has repeatedly ignored me and my attorney even with a signed release that they can speak to him. I am begging this company to really investigate this thief and help me recoup my money so I can buy back a home for my family. This has been a XXXX year nightmare that needs to end. I would like my money. Please help I know I am not alone with this nightmare and can not afford legal fees with Bank of America refusing to respond accordingly. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had XXXX credit card accounts with XXXX banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX bank has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a zero balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a zero balance to the credit bureaus. This would be double dipping for XXXX bank, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid off my collection not only for the original amount but they charged me additional amount to have it removed and it does not show paid or has it been deleted. I have called their company XXXX XXXX XXXX XXXX several times and they tell me they will report it again and it is never done. I need this off my credit report as I 'm working very hard to get me score back to good. As you can see I have no late payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: A third party dept collector has continued to call my cell phone on behalf of BOA. My account is fully current yet the calls the continue. I have filed numerous complaints and made multiple requests for BOA to stop unauthorized calls to my cell phone but nothing is changing. 

Company response: Company chooses not to provide a public response
Consumer complaint: Evergreen Home Loans has mismanaged every change of payment that has taken place with my mortgage. I have paid my mortgage on time every month through a scheduled check delivery service, and no matter the change, Evergreen mishandles the change. The first instance was when they missed paying the county tax in XXXX of XXXX. It was not until I received letters from the county that I was in default and notified Evergreen that they took care of the problem. 

Secondly, in XXXX of XXXX I received notice that there was a shortage in my escrow amount due to increased county taxes. It was noted that if I pay a lump sum XXXX {$270.00} XXXX, it would be added to Escrow and my monthly total mortgage increase would not be as much. This money was not initially allocated to escrow XXXX future interest payment I believe, but it was a while ago ) and it was not until I called them that the issue was resolved. The additional principal I paid that month was not as much as it should have been because they had not allocated the lump sum to escrow. Again, it was not until I called that this issue was resolved. 

Third, in XXXX of XXXX I received another letter telling me that there was another escrow shortage due to increased taxes. The letter states, " If you choose to pay your escrow shortage of {$300.00} in full, your new loan payment amount will be {$1400.00} '' I called Evergreen on the phone and was told that they did not accurately calculate the escrow shortage in XXXX and that is why I was being charged again. As a first time homebuyer this was aggravating for financial reasons. I payed the full amount of {$300.00}. At this time, I spoke with a supervisor at the call center and notified them of their continued mistakes. 

Fourth, I just received a copy of my most recent statement ( XXXX/XXXX/XXXX ) and it shows that {$300.00} was applied to escrow, but that my total monthly payment due is {$1400.00}, not {$1400.00}. They did not re-calculate my payments to account for my lump sum escrow shortage payment ... .for the second time. I have recently been paying {$1400.00} per month to get ahead on my loan, and instead of having {$48.00} paid as additional principal, they are only showing {$23.00}. 

I will be calling them tomorrow but I think the number of mistakes shows either gross negligence of their accounting department, or a scheme to gather extra money without customers noticing. It is aggravating and disheartening to have to deal with this company 's mistakes every time there is a change to my mortgage. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: BMO Harris Bank issued me an auto loan. Once I 'd paid the loan in full and filled out a change of address form on their own website that same day - they still sent the loan to the address from 3 years ago. They told me they would call back in a week if the title had n't been returned and make it right - they never called back - every time I call they make up some excuse and are basically just hoping I go away. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was very concerned about some accounts on my report that were not right. I wrote a formal letter to Experian hoping to get an explination. I sent this letter on XXXX and have yet to receive a response, they are way past their 30 day limit. My wife also tried to write them letters and they claimed he wasnt real or something. I dont understand what is going on, so I am hoping you all can help me better than they can. Here is the letter I wrote them and my credit report that has the mistakes on it. 

Company response: Company chooses not to provide a public response
Consumer complaint: Debt collectors keep calling about a debt that I do not owe on, I told them numerous times to stop calling and they keep calling every hour, harassing me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I created an online account at www.LendingTree.com to shop for a refinanced mortgage. I have since been bombarded by harassing phone calls/emails at all hours every day of the week. I can not deactivate my account or remove my personal information from this site, and have since learned that this company 's practices can actually hurt my credit score. I want this harassment to stop! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX Acct # : XXXX - NOT MINE, No proof of debt XXXX Acct # : XXXX No Proof of debt XXXX XXXX XXXX, XXXX Acct # XXXX -NOT MINE, No proof of debt since XXXX Acct # XXXX NOT MINE, No proof of debt UNIVERSITY XXXX Acct # XXXX NOT MINE, No proof of debt XXXX Acct # XXXX NOT MINE, No proof of debt INCORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX not accurate not my address XXXX XXXX XXXX XXXX XXXX XXXXPlease be advised that this is not a refusal to pay the debt, but a detect sent pursuant to the Fair Debt Collection Practices Act 1 : USC 1692g Sec 809 ( b ) you title that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to. I am demanding proof that I am the exact party to these or gave authorization to, and a prearranged coercion, which is obligatory on me to wage this debt. This is NOT a request for " legalization '' via E or evidence of my mailing address, but a demand for AUTHENTICATION made pursuant to my Precise Name Date of Birth Social Security Number and correct address current XXXX XXXX XXXX XXXX XXXX XXXX accordance with section of the Fair Debt Collection Practices Act. Or I request this be removed with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I am a customer at Wells Fargo Bank. I have a checking and savings account. I opted out of overdraft services and I recently incurred fees because my bank made XXXX overdraft payments without my consent. My balance is now a negative XXXX dollars. 


Since I opted out of overdraft services these charges should have been declines. 


The XXXX payment made were on XXXX XXXX, 2015 to XXXX in the amount of XXXX dollars and to XXXX XXXX in the amount of XXXX dollars. 

The Wells Fargo website states that even if I do not have overdraft services that they will pay an item creating an overdraft or return the item as unpaid. 

I have an issue with a bank that can arbitrarily decide to pay and item without my consent at their sole discretion. I find this arbitrary and capricious and a predatory banking practice. How many customers have to incur these types of fees? 


The new banking laws were enacted to protect consumers and I have the right to opt in or out for overdraft services. I do not want my bank to decide for me. 



If there are insufficient funds in my account and a fee is incurred then that is my responsibility for not managing my account properly. I do not have to accept a service that I opted out of to pay the original overdraft to the bank and then overdraft services fees. I believe that this is an unfair business and predatory tactic used the bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: refused to issue me a new card even tho it expires in less than a month. when they do get around to sending, as per their supposed process with only 2 weeks left, they send it with no tracking regular mail, then refuse to assist in anyway towords getting a new card in the customers hands. the account is tied with my payroll so now i can not get any paycheck or pay billes until they get around to honoring their commitment. They refused me contact with a supervisor. 

Company response: Company chooses not to provide a public response
Consumer complaint: Lender was unable to explain to me why my balance owed is more than originally presented to me at application. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I properly disputed an invalid obsolete account XXXX times and the account is over 7 years old and Experian refused to properly investigate or delete. Please see attached. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a collection agency called CASH LLC. any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. I attached a copy of the letter they sent to my home address after my last dispute to the account .I want your office to go through the attached letter. First I have never had any account with XXXX BANK OR ANY OF IT AFFILIATES. Second, They have to explain which address I was living when I acquired this dept. I believe this could be someone else account who may have same name as mine .I do n't know how they got my social security and my name even my date of birth because I know I have never had any account with CASH LLC XXXX XXXX Bank or any of their affiliates. 
I am requesting that CASH LLC and XXXX Bank or any of their affiliates should remove such negative and false statement from my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted Experian Credit Agency after my mortgage company informed me that there was a judgement listed against me on my credit report. I was surprise because a couple of months earlier, I had requested my credit report from " Annual Free Credit Report '' website and the judgement was not listed. I received a copy of my credit report from the mortgage company and they explained that I need have Experian remove this information. I proceeded to contact the creditor ( XXXX ), they explained that they never reported this information to Experian and proceeded to provide me with a letter explaining that the information in my credit report is incorrect. I forwarded this letter to Experian through their dispute center and U.S. postal Service. I received a letter a day ago stating that they would not be removing this information. I need this information removed, because is preventing me from obtaining a home mortgage. This information should have never appeared on my credit report also because is under the name of a company that used to own, not under my personal name. I will appreciate it if you could please help me resolved this matter. I have tried several times to remove this information from my records, but Experian refuses. I have attached copies of my credit report showing that the judgement was against " XXXX XXXX, XXXX, not XXXX XXXX. I am also attaching the letter from XXXX ( XXXX XXXX XXXX XXXX the creditor named in the judgement stating that the information in my credit report is incorrect. 

Company response: Company chooses not to provide a public response
Consumer complaint: Financial Asset Management Systems ( FAMS ) is engaging in behavior that is in flagrant violation of the Fair Debt Collections Practices Act. I have repeatedly asked FAMS for a statement balance regarding my payments, including interest rates, collection costs, and fees. They have repeatedly ignored my requests. In addition, I called FAMS on XXXX XXXX, 2015 at XXXX XXXX EST to make a payment and the agent that I spoke with proceeded to hang up on me even though I have provided my social security number and date of birth as verification. FAMS is engaging in illegal and abusive debt collection violations which are illegal under the Fair Debt Collections Practices Act. 

Company response: Company chooses not to provide a public response
Consumer complaint: Select Porfolio Servicing continues to leave notes outside my door. I would like it to stop 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My credit is being harmed by a collection agency that is reporting a disputed debt. 

The issue stems from a 3-month series of billing errors that my current phone/internet/XXXX provider made when we switched our service to them last year ( XXXX 2014 ). Throughout the time that the billings were in error, XXXX advised me to not make the payment while they corrected the issue however they never actually got it fixed. When they finally combined my payments onto a single bill ( which is what they were supposed to have done from the beginning ), they sent me a separate bill for one portion of the service and refused to provide a breakdown of what the billing represented. As the total amount shown was equal to the amounts I had been billed during the 3 months that the bills were in error ( and did not include the " bundle '' discounts I was supposed to get ), I advised CenturyLink that the bill was disputed until they could get it corrected - they appear to have responded by sending it to a collection agency. 

When I received their bill I notified the collection agency that the bill was disputed because the creditor refuses to provide a breakdown of charges ( which I know are wrong ). The collection agency subsequently sent me a copy of the erroneous billing, marked as a duplicate and showing an address in XXXX ( I am in XXXX ), which does not include any information other than the disputed amount. 

I contacted the collection agency and advised that the billing remains disputed because it 1 ) does not list what I am being charged for or 2 ) include the discounts that were the source of the initial dispute. Their agent stated that they considered the bill validated and were reporting it as a collection item. My credit monitoring service subsequently notified me that my score has dropped. 

I experienced a job loss several years ago and my credit suffered as a result. It has taken me a long time to rebuild and I am very upset that this collection agency is trying to erase all that hard work. 

I have submitted a complaint to the FCC as well, in the hope that they can get XXXX to correct their erroneous billing - please help me get the collection agency to stop harming me - my efforts to convince them that the billing is wrong ( and should not be paid ) have not been successful. 

Thank you, 

Company response: Company chooses not to provide a public response