AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: i submitted a loan modification to the select loan servicing because i do n't know who the lender is, anyway the request was received and the lender confirmed it a few months ago in which my documents were sent in by fax several times and there was someone assigned to the file, buti just received a sale notice posted on my door for a sale date on XX/XX/2015while my loan was in the process of a loan mod!!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX account # XXXX has agreed via the XXXX to remove account with all he credit bureaus. XXXX and XXXX have removed the account on XXXX/XXXX/15. I need Transunion to remove account immediately so I can close escrow. Please remove midland from my Transunion report immediately. Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a victim of Identity theft. This has been reported to local authorities and the credit Bureaus. Meridian financial have been contacted in writing and I have shown them My Drivers license does n't match the fraudulent copy they have on file. They continue to report fraudulent information on my credit reports hurting my ability to conduct business and causing me financial harm. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have received numerous letters from National Credit Systems Inc. alleging that I owe a debt to XXXX XXXX XXXX. I have never lived in such an apartment and have lived in my current home for over 15 years. This debt is not mine and presumably belongs to someone else of the same name. They state that they have already reported the " debt '' to " all XXXX credit bureaus, which is likely affecting [ my ] ability to obtain credit, rent, or secure favorable interest rates. '' 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Bank of America refuses to terminate mortgage insurance on the property, even thou the LTV is below 70 %. BofA demanding we pay {$450.00} for another appraisal to be done by XXXX XXXX XXXX XXXX on our property. I think it is unnecessary and violates the spirit and the letter of the Federal Homeowners Protection Act of XXXX as amended in XXXX. The full appraisal of the subject property was performed on XXXX XXXX, XXXX by a fully licensed appraiser, certified to perform appraisals for FHA. The subject property was appraised at {$490000.00}. A copy of the Appraisal Report was submitted to BofA on XXXX XXXX, XXXX. The current Principal Balance on the loan is {$340000.00}. Nowhere in the loan documents does it state that the only acceptable appraisal can be performed by XXXX XXXX XXXX XXXX. Under the law BofA is required to automatically terminate PMI under these circumstances. We requested termination XXXX times and it is denied. 
In BofA 's letters dated XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX it stated " your current Loan to Value ( LTV ) ratio is above 80.0 %. A new appraisal is required '' and requested payment of {$450.00}. The statement that current LTV is above 80.0 % is incorrect, and contradicts BofA ' own data. According to the letter dated XXXX XXXX, XXXX received from BofA, it estimated the Property Value as of XXXX XXXX, XXXX to be {$470000.00}. With current Principal Balance of {$340000.00} the current LTV ratio based on BofA 's own Property Value Estimate is 71.00 %, well below 80 %. Furthermore, even if you take the Purchase Price of the Property at the time of purchase in XXXX, of {$430000.00}, the current principal balance of {$340000.00} represents LTV of under 80.0 %. I believe BofA request for a new appraisal is motivated by policy to generate additional costs and fees, and to prolong the time and cost of unnecessary PMI charges. I also believe it violates current law on this subject. 

Company response: Company chooses not to provide a public response
Consumer complaint: transunion credit report web suite does not work making it impossible to order a credit report on line as they advertise. there is no way to contact them toresolve this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had my checking account with Regions Bank for quite some time now, maybe 6 months, and I have always done everything to safeguard my personal information and pin number from theft. I hid my pin number to my debit card in a pair of grey sweatpants in my closet, and my debit card in a safe in my living room. On or around XXXX/XXXX/2015, I noticed about XXXX or XXXX unauthorized transactions on my account, and reported this to Regions over the phone, which started the claim. A new card was sent to me, and the old one cancelled. I received the claim AFFIDAVIT in the mail about 7 days after that. In the AFFIDAVIT, I specifically stated that I believed that my ex-girlfriend and her brother might have taken my PIN number, more so her than him, because she lived with me, and although I NEVER told her where my PIN number and debit card were located, she WAS my girlfriend and it s conceivable that she could have searched throughout all pairs of my pants in my closet, found the pin number, and could have been watching me enter the code to my safe. This is all speculation though. I faxed the completed affidavit ack to Regions and the next day, I was told that Regions had received it, and that my claim should be finalized by XX/XX/XXXX no later than the close of business day, XXXX/XXXX/2015. On XXXX/XXXX/2015, I called the REGIONS CONSUMER PROTECTION department, which handles the fraud claims, and asked what time the funds stolen from me would show up in my account. I was told that my claim had been denied, and that I did NOT state in my AFFIDAVIT how the pin number and debit card had been stolen from me. This is all a lie of course, because I specifically stated in my AFFIDAVIT that my ex-girlfriend and her brother might have been the ones who stole this from me. I was told that the ONLY way to reassert my claim would be to provide a police report and/or provide clarification on how the pin number and debit and came up missing. I explained to the " specialist '' over the phone that I had no further information regarding this claim, and that under Regulation E of the Federal Reserve Board rules Regions was required to reimburse me, and that this is NOT contingent upon the filing of a police report, because the police are NOT responsible for reimbursing me, REGIONS is. The police job is to catch crooks and criminals. Despite all of this, even if I had attached a police report, which I did NOT, and am not, the outcome would still have to be the same : REGIONS MUST REIMBURSE me. She hung up the phone me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a credit card and was denied ( see attached letter ), I had lifted my security freeze per process described and it did not allowaccess to my credit file as claimed by credit card company. 

Company response: Company chooses not to provide a public response
Consumer complaint: I Have no idea why this company is placing a collection account on my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I never established accounts or know anything about the following three creditors listed on my credit report XXXX XXXX reported by XXXX XXXX XXXX XXXX reported by TransUnion, XXXX XXXX reported by TransUnion 

Company response: Company chooses not to provide a public response
Consumer complaint: A Debt Collection Notice was sent to The head offlce of the company I work for by Allied Interstate LLC. 
The head office of my company is not even in the country I live. 
The Debt is for an XXXX account. The amount is $ XXXXXXXXI have never used XXXX or even created an account, so I am positive this debt does not belong to me. This seems to be a Phishing scam by Allied Interstate LLC. Their company history seems to indicate that must be the case. 

Company response: Company chooses not to provide a public response
Consumer complaint: I already paid this account. They paid it to another collection company. I had already disputed it and they did n't remove it. I want it removed. I also have proof of it stating that it is paid. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The information about a collection bill is not mine there is only XXXX and it dropped my credit drastically I have never received any info about this collection bill and about 3 days ago it showed up on my report 

Company response: Company chooses not to provide a public response
Consumer complaint: Someone used my SSN and personal information to apply for a loan to deposit money into a checking account also opened with my information. They emptied the checking account and failed to pay. Now a third party collection agency is calling my personal work phone used for business purposes only. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is an address listed on my credit report that I never lived at. The address is:XXXX XXXX XXXX XXXX. XXXX, IN XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15 I requested validation ; received no response. On XXXX/XXXX/15 I requested validation again ; this time received response. However, IQ Data provided a print screen from their data base ; not an accounting of my payment history. For example, I have no clue what " termination fees '' or " expense bad debt '' charges entail ; " non-refundable cleaning fees '' -what did they have to clean? ; " Fees Late Payment '' - from what month? There is no way to determine where my security deposit was applied. Furthermore they are showing my XXXX XXXX daughters as roommates. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is now the XXXX complain I am having to file in an attempt to collect escrow monies from this Company. Our house burned down XXXX/XXXX/14 an insurance settlement was issued to myself and my husband and as we had a loan on the property the funds were forwarded to our mortgage company to be held in escrow for repairs. The house was completed the end of XXXX. We refinanced the house to another mortgage company on XXXX and the loan at new american funding was paid off XXXX. We still hand funds in the escrow account and I spent over an hour trying to get them to send me a check. I was told that unless I sent them the final bill from our contractor the file would not be complete and it would likely be denied. I asked them why they felt they needed that information given my loan with new american was paid off. They were unable to answer this. I then received a check on XXXX payable to myself and a company Called XXXX XXXX. I have never done business with said company. This check is useless to me, I can not get an endorsement from a company I have not worked with. But most troubling to me is all other checks have been issued to me and there is no reason to add anyone else 's name to this check.There are no liens or judgement that would require this. Wether I have or have not paid my builder is of no bearing to New American as my loan is paid off. I am so disgusted that I have to continue to fight and spend hours of my time to simply get funds that are mine. Not that it matters but as of XXXX the builder had been paid in full. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I cosigned a loan for my stepdaughter with Bank of America. I went into Bankruptcy in 2011, but between my stepdaughter and I, the payments were made according to bankruptcy ( which BOA agreed ). The loan was turned over to XXXX who then turned over to a law firm in XXXX because they said we did n't make payments. Both my stepdaughter and I proved we were making payments. He instructed us to not make any more payments until they could figure out where money was going. Subsequently, they turned over to law firm in XXXX-who threatened to sue us for non -payment. My bankruptcy lawyer got involved and all the documentation was provided to show that not only were we making payments, but we were ahead of schedule. I talked to lawyers in XXXX XXXX and we came up with payment plan for rest of it ( which is paying faster than bankruptcy said we had to ). All both my stepdaughter and I want is this taken off credit report. It shows I 'm behind 120 payments and owe almost 5,000 dollars, when in fact made all payments on time ( except for the few months their lawyer told us not to pay ) and actually only owed XXXX dollars. None of the lawyers would help with the credit companies. I know student loans complicated, Im just asking for our credit report to be accurate Thanks. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX there was a XXXX XXXX XXXX account opened up in my name. I was born XX/XX/XXXX which made me XXXX years old when this account was opened. I have never had any services or account with XXXX XXXX XXXX. This has been hurting my report and I have been declined services for 2 years. I have been trying to get this off and no one is helping me. Legally I was not old enough to have a utlitiy bill when I was XXXX. I have no idea who had this account. When I went to college and started to look at my credit I seen this. I started disputing it then with XXXX and all the credit reporting companies. Account # XXXX XXXX XXXX XXXX. Address is XXXX XXXX XXXX XXXX FL XXXX and the phone number is XXXX. 
I need this to be removed from XXXX XXXX XXXX now. They should have never allowed someone to use my information to get a utlity bill of any kind. I need this removed from All Credit Reporting agencies as well. This has damamged my report and prevented me from getting credit. I have attatched my ID showing y date of birth. 

Company response: Company chooses not to provide a public response
Consumer complaint: Best buy credit card -They advertise 0 % APR and interested for the first 18 months, after which time 24 % interest kicks in. At 18 months, I suddenly had {$360.00} in interest charged to my card, on a balance of approximately {$600.00}. When I called the company, they explained that the interest balance reflects the accrued interest on all past bills over the first 18 months. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have not been using my account for over 6 months. When I checked the account it had occurred over {$630.00} in overdraft fees alone. There were over XXXX {$35.00} fees from where one company tried to take money out of the account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I want to file a complaint against Select Portfolio Servicing Inc . The company 's mailing address is Attn : Loan Resolution Department, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. I applied for a mortgage loan modification in XXXX 2014. I have called this company each month since XXXX 2014. I am repeatedly asked for verification of salary, income tax return forms and bank statements. I have received XXXX letters from this company never specifically stating the status of my modification application. The letters received from the organization only state that correspondence was received from me. This company has numerous complaints against it on several consumer complaint web sites. My mortgage was sold to Select Portfolio Servicing Inc. by the orginal lender which was XXXX Mortgage company. Each telephone conversation I 've had with this organization resulted in vague and very cryptic conversations with representatives who never provide straight answers to straight questions. As mentioned before, I have never received correspondence indicating any status on my mortgage loan modification or what stage from beginning to end is my application in. This company provides terrible customer service. The representatives give the same information over and over again. I 've written a letter to the Board and CEO of the company with no direct response. Just correspondence vaguely stating that correspondence was received by the company from me. This entire process has been unprofessional. This company will not record " specifics '' in their correspondence to me pertaining to the modification. My goal is to successfully complete the mortgage loan modification process. I can not believe how this company does business or why it has been allowed to get away with doing business this way for so long. I am requesting assistance from your agency in this process. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I mailed Transunion a certified letter asking them to provide me with details of several negative trade lines that were listed on my credit report. They responded after XXXX days informing me that they verified details of the negative account I listed. I believe Transunion did not do a sufficient investigation. XXXX of the account XXXX XXXX XXXX is a payday lender. If Transunion had done a proper investigation they would have discovered that this was a payday lender, and that payday loans are illegal in New York. I would like Transunion remove the accounts I requested information on. Following my initial dispute I sent XXXX additional letters to Transunion asking them provide me with the method of verification. I also spoke with a customer service representative in regards to the XXXX XXXX XXXX account. I spoke with a supervisor and asked them to provide me with details of who they spoke with to verify the details of the account. I asked them what documents did they review. The outcome of that call was the supervisor offered to add an additional dispute in regards to the wrong type of account being listed. XXXX XXXX XXXX listed it as an installment loan. The supervisor mention this additional dispute would take another XXXX days. I can provide additional documentation in regards to this if necessary. 

Company response: Company chooses not to provide a public response
Consumer complaint: Paypal tried to collect a fraudulent charge from my XXXX XXXX credit card. XXXX XXXX requested documentation from Paypal to backup their claim and the requested my response and documentation from me. XXXX XXXX rejected their claim. After that Paypal changed the transaction ID and place back the charge on my account and they insist on collecting the same amount. I already sent them XXXX electronic messages using the Paypal contact us form to no avail. Paypal contact form states that they will respond in 24 hours. 
I just received an email demanding payment on the fraudulent amount. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I moved a year ago and obtained a new XXXX and XXXX mortgage. Trans Union is still reporting my old address and has n't reported my new mortgages. These items are affecting my credit score. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received phone calls regarding money I do not owe. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I applied Wells Fargo XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX, 2015, and got declined due to less of relationship with Wells Fargo. I do n't understand why no prior business relationship could be a credit card application decline reason. My interpretation of this credit decision is trying to force consumer apply their other products first to be eligible for their credit card approval. ( for example, banking accounts, etc ). 

Company response: Company chooses not to provide a public response
Consumer complaint: I was trying to claim a fraud with Wells Fargo - my bank and they would not assist me. 
I have deposited a check on my account and month later the money was withdrawn from the account and returned to payee. I was explained that the money was deposited XXXX, XXXX deposit was in XXXX. I do n't have an account and I feel that this is a fraud. The payee does n't want to act as money went away once and my bank does n't want to investigate this case further. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15 I requested validation of debt from Enhanced ; no response ; On XXXX/XXXX/15 requested account be removed due to violation of debt collection and reporting practices ; received response. They provided a statement from XXXX showing a past due balance. This does not confirm original date of delinquency, nor that I am the XXXX XXXX that had an account with XXXX. Furthermore, they state that they have informed credit bureaus of account being in dispute and put it back on the credit bureaus ; stating they have no control over how long it may take credit bureaus to update. Nonetheless, I pulled my credit report today, there is no indication of account being disputed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a XXXX XXXX credit card with USAA. I went online to pay my bill ( XXXX 2015 ) and it showed a balance of roughly {$1300.00}, so I paid it with my check card from XXXX. After I logged off, I remembered paying the bill previously and called USAA. I explained the situation that I had paid the credit card bill twice and would they refund my {$1300.00} that I had overpaid. They said that they would have to research the error on their part of not keeping their website up to date and issue me a check in XXXX days, and that that was all they could do. So I went to XXXX and cancelled the ACH payment and closed the account with USAA. USAA charged me {$36.00} for the cancellation of the ACH ( on a closed account ) that was paying the overage that was due to their not updating their website. They put a complaint on my credit report, even though I paid them their {$36.00}. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX 2015 my wife and I visited a local Wells Fargo Branch location to establish a joint account. The visit lasted about an hour, and past the bank hours. During this time our banker left with our debit cards for some time to " check with a manager ''. The following business day ( Monday XXXX XXXX ), my account experienced several fraudulent charges. That evening my wife 's card also experienced fraudulent charges ( of a suspicious nature ). This leads us to believe that our cards had been compromised in conjunction. Due to travel and work in the last month - our visit to the Wells Fargo was the only time our cards were used at the same time and at the same place. Additionally, on the afternoon of Monday the XXXX, the day I reported the fraudulent transactions ( after business hours ) - I received a strange phone call from the exact banker who accessed our cards. The tone of the call was strange - it was apologetic - but unexplained as to " what she was apologizing for ''. Additionally my wife 's card was used to send money overseas to an XXXX XXXX - whose name is coincidentally similar to our banker 's name. I have reported this to both the XXXX Police Department as well as to Wells Fargo - but at this time no actions seem to have been taken. 

Company response: Company chooses not to provide a public response