AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In selling my house, the buyer was getting financing through Wells Fargo Home Mortgage Wells Fargo delayed the closing at XXXX the day before closing because " they needed more time '', with no explanation as to what the hold up was or any idea of how long things would be delayed. They had communicated the week before to the buyer that things would be on time. Subsequent calls and emails to try and get details or information went unanswered and unreturned. I 've called and emailed the loan officer, his boss and his bosses assistant with no answer, reply or call back. 

The Loan Officer involved in XXXX XXXX XXXX ( XXXX ) and his boss is XXXX XXXX ( XXXX ) I understand closings get delayed at times, but the combination of the last minute notification, no information and no follow-up from multiple parties at Wells Fargo is unacceptable and unprofessional. I will incur an estimated additional {$500.00} in moving expenses alone due to the delay in closing. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX I was struggling financially and I filed for chapter XXXX protection ; however, none of the filings was accepted by the Bankruptcy Court they all were dismissed. This complaint is to have all XXXX credit reporting agencies remove the information from my credit file. The Chapter XXXX Bankruptcy 's I filled in XX/XX/XXXX was NOT confirmed. I was told by XXXX that they can keep it on my credit report for 10 years, however, I live in California and the Federal Law is 7 years of the filling. Also, the plan was never executed and was dismissed/discharged in XX/XX/XXXX as well. I want all XXXX credit report agencies to remove all negative information relating to the Chapter XXXX 's I filed in XXXX, XXXX, XXXX, and XX/XX/XXXX. I filed them and the bankruptcy court did not process any of them ; they all were dismissed out of court and should not be on my credit reports in XX/XX/XXXX .... 

Company response: Company chooses not to provide a public response
Consumer complaint: unauthorized inquiry on credit reports 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX. 2015 a representative from CCS called me and just started talking and asking for information without identifying herself. She started asking for my address, phone number and other personal information. I only found out who she was by hanging up and calling the XXXX. I have no written agreements with this company, they are not licensed to do business in the State of Texas I could be giving my information to anyone. A notice came by mail for {$29.00} for ATT but I do not owe XXXX anything, and if I did, XXXX should have contacted me before they sent anything to collections. I am not going to give someone I do n't know my information, checking account or anything else. They need to stop calling me and there should be nothing placed on my credit from this odd company. When I went online to try to contact them, their weird system had no way to send an email. Just too many people coming up with collection companies buying debt. 

Now they have called XXXX times and when I pick up, they say nothing. Ridiculous. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Notice of federal tax Lien is on my public record and it should have been remove since XXXX/XXXX/2014. All credit agency 's Trans Union XXXX and XXXX still show it on my creditreport I want it off now. 

Company response: Company chooses not to provide a public response
Consumer complaint: home owner association said i had an {$8000.00} dept of pass due amounts so they collected the rent on my property ( rental value {$1500.00} ) for 2 years collecting total amount of {$29000.00}. 
this is more than XXXXtimes as much. they said lawyers fees, late fees, interest ok so they collected {$16000.00} more .i do believe this is robbery!! but ii want to move back into my home and they want to still continue to collect more money and not allow me back in my home..also they want to collect half the rent rate in the area just so they can continue to make more money from my property. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I obtained a loan from one main financial in 2014, had lost a job. 
As of XXXX of this year, I have been unable to make payments on time. Since XXXX of this year I have received over XXXX phone calls starting at XXXX XXXX and ending at XXXX XXXX on average XXXX calls a day Monday through Sunday 7 days a week they call from multiple numbers from XXXX from XXXX from XXXX from XXXX from XXXX they 're relentless they will not stop I 've sent XXXX letters of cease and desist have gone unanswered they constantly call I have records of every phone call they made since XXXX I 've even told him cease and desist they will not.. This is the XXXX complaint in less than a month that I am filing against One Main Financial this is beyond simple harassment. When they call I answer no one is on the other end I 'll say hello they hang up if its not that its a robo call and robocalls for constant. I will continue to file complaints daily until I hear from a representative from the Federal Trade Commission this goes way beyond the violations set forth on Credit or harassment. I would greatly appreciate acknowledgement of this complaint by representative of the Federal Trade Commission 

Company response: Company chooses not to provide a public response
Consumer complaint: I have not used XXXX XXXX XXXX in four years. All of my payments for this company are up to date. I have statements for all my payments and never received any calls or mail about missed payments. 

Then suddenly I am hit with a letter demanding {$150.00} from me saying I owe, I sent a detailed letter with attached statements asking them to prove the debt or remove it. I have not heard back but it is still on my credit report! 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: these inquiries on the bureaus do not belong to me, I have submitted paperwork and they did not remove the inquiries after multiple disputes 

Company response: Company chooses not to provide a public response
Consumer complaint: I live in Massachusetts. I was 3 months behind on my car loan. In XXXX I made XXXX payment through XXXX XXXX. They would not let me make a payment other than XXXX XXXX. I never received any notification that my car would be repossessed. However on Tuesday XXXX/XXXX/15 before XXXX my car was repossessed by Ally in my driveway. After finding out about repossession laws in MA I found out that I was required to have 21 days notice and that they could not take a vehicle from a driveway. In addition I have been not provided any information as to the company that repossessed my car nor have I been given my license plates by 48 hours. 
I would like my car released to me in light of all the laws in MA that they have broken by taking my car. 

Company response: Company chooses not to provide a public response
Consumer complaint: The College ( XXXX in XXXX, Ca ) that I was currently enrolled abruptly shutdown. I was XXXX weeks away from graduation. I am no longer choosing to continue with my education since I would have to take even more classes. I also did not get a well paying job out of it, even though I was told numerous times I would. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: ERC has been on all XXXX of my credit reports for an alleged debt they bought from XXXX XXXX in the amount of {$130.00}. This has been listed since XX/XX/XXXX. 

I sent an email to get more information and get this validated by ERC on XX/XX/XXXX. I never got a response. 

I got an alert today that a new collection item was added to my credit report. It is the same debt from ERC in the same amount being reported as new as of XX/XX/XXXX. 

This is a violation of my rights. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: We are very tired of receiving automated calls from Focus Receivables Management caller ID number XXXX. The recording gives no information as to who the call is addressing or anything about the debt. We have no debts in collections. We make all necessary payments on time. They have the wrong number. Please help me make them stop calling!!!!!!! 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I sent my XX/XX/<YYYY> monthly mortgage payment to BofA ( my lender & loan servicer ), loan # XXXX, # XXXX check for {$690.00}. I did not receive a XXXX statement in the mail form BofA, so I wrote the loan number on my check, & stapled a note stating to apply my payment to my # XXXX loan. BofA cashed my check on XXXX/XXXX/15. On XXXX/XXXX/15, I received a delinquent notice in the mail stating I did not pay my XXXX mortgage payment. On XXXX/XXXX/15, I called BofA, was put on hold for 20 minutes, then routed to collections. After talking to XXXX XXXX XXXX foranother 25 minuted, he stated my check was applied to another loan. XXXX XXXX said BofA would fix their mistake & waive imposed charges. I have called BofA serveral times trying to resolve their incompetent mistake, they refuse to fix it. As of today XXXX/XXXX/15, I have received XXXX delinquent notices, threatening they will call my loan due, threatening a foreclosure on my VA XXXX Veterans Administration XXXX loan, threatening reporting the delinquency to the XXXX-credit bureaus, threatening to report to the Veterans Administration loan delinquency. In addition, BofA is sending me delinquent threat letters to my email, calling my cell phone & home phone every other day, & sending me certified letters. Please provide assistence to stop BofA from performing illegal, unprofessional, unethical, & fradulent banking business tactics. I paid my XXXX mortgage payment in full for XXXX, BofA took my money & is threatening & harassing me by phone, email, & XXXX mail. 

Company response: Company chooses not to provide a public response
Consumer complaint: Notice of federal tax Lien is on my public record and it should have been remove since XXXX/XXXX/2014. All credit agency 's XXXX XXXX XXXX and Experian still show it on my creditreport I want it off now. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are XXXX accounts on my credit report that are not mine. XXXX is for XXXX ( debt collection agency is XXXX XXXX Solutions ) and the others are XXXX medical bills from XXXX XXXX. I never did any business with XXXX so I can only assume that this is a fraudulent account or they have the wrong person. The medical bills were not my responsibility, the insurance was under my ex-husbands name, the insurance was provided for his daughter at the time of service and there were no additional co-pays or fees. I have disputed these items with the credit bureaus, however, they remain on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing this complaint against ASC/WFHM in response to the QWR violations coupled with the unfair, deceptive, and abusive acts and practices that I have experienced at the hands of the ASC/WFHM and their representatives. 

On XX/XX/XXXX, I submitted a qualified written request ( QWR ) asking for copies of my origination documentation to validate my debt as well as other documentation to include the transfer of my mortgage from one owner/servicer to another and ultimately, ASC/WFHM. I was shocked when I received a phone call from XXXX XXXX in the executive offices of WFHM on XX/XX/XXXX, refusing to comply with the QWR requirements set forth by RESPA ( see attached letter ). As if that was n't shocking enough that WFHM ( ASC ) refused to respond to my QWR, XXXX XXXX defended his decision by stating that WFHM ( ASC ) violated FDCPA laws by previously sending out a response to a similar inquiry back in XX/XX/XXXX containing approximately XXXX pages of confidential information to me - the XXXX pages included my name, address, social security number, loan application, mortgage deed and note, etc. - that was left out on my doorstep fro anyone to see and/or steal. I never received the alleged documentation from WFHM ( ASC ) and XXXX XXXX confirmed that it was sent to me without requiring signature and with confirmation from XXXX stating that it was left outside my home because no signature was required. I believe that I am now in jeopardy of someone stealing my identity due to the actions of WFHM ( ASC ) because they did not protect my confidential information and left it on my doorstep for anyone to steal. 

To add insult to injury, WFHM ( ASC ) slapped a sale date on my property while refusing to answer my QWR and then sent me the requested documentation finally XX/XX/XXXX, which I believe is a QWR violation of RESPA laws requiring QWRs to be confirmed in writing as received in XXXX days and answered in XXXX days. Why did WFHM ( ASC ) decide to send the QWR response now when they refused XX/XX/XXXX? Was it because I now have very little time to review XXXX pages of documentation before my scheduled sale date ... are they hiding something that they do not want me to find? 

I am in the process of submitting a RMA in an effort to retain my home and up against a sale date in just a couple weeks. Please hold WFHM ( ASC ) accountable for their actions and please allow me ample time to apply for mortgage assistance while I review the requested documentation to ensure that all federal laws were followed in the transfer of my mortgage loan on my primary residence and to address any predatory lending or toxic loan concerns. 

Thank you! 

Company response: Company chooses not to provide a public response
Consumer complaint: these items did not belong to me I pulled my report and saw them and addressed them with the credit bureau to no avail. 

Company response: Company chooses not to provide a public response
Consumer complaint: Our mortgage was sold to Greentree from our previous lender. They have the loan less than a month and we are being harassed with up to XXXX phone calls a day and numerous letters stating we owe over {$9000.00} and they are moving forward with loss mitigation. We have never - in the XXXX years we have owned our home- missed a payment and have paid our XXXX payment on time to Greetree XXXX I want to join the class action suit against them immediately. We have provided all proof of payments to previous lender and Greentree says they can not verify them and are threatening further collection action. This is harassment and illegal. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I 've received 5 phone calls on XXXX XXXX, 2015 from the same phone number. Initially the missed calls did not result in a message of any sort. After googling the number online, there were no search results pointing to a company. Upon calling the number back, it was " Citicard '', a credit card I do use. An automated message asks to dial in my 16 digit credit card number which I chose not to do. Instead, I contact Citicard direct and expressed my concern. The representative who seemed irritated at me, did n't bother listening, decided it was a good opportunity to verify a payment instead of addressing their obviously flawed system. As of today, I received 2 anonymous phone calls from 2 different phone numbers I 've never seen. This un-professional behavior shown by Citicard representatives and their scam-like system should be addressed. 

Company response: Company chooses not to provide a public response
Consumer complaint: i have had my identity stolen and have spoke with alll XXXX bureaus and submitted paperwork and they have not complied with the law, they will nor remove the fraud items 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been victimized by an identity thief. They established several loans in my name and opened several checking accounts with credit unions and banks in order to withdraw funds from loans obtained fraudulently. I sent chexsystems via fax a copy of the police report that i had amended including XXXX checking accounts that were reporting in my name in their system. I had received an updated copy of my Chexsystems report showing the accounts removed. But later got an updated report showing the XXXX fraudulent checking accounts with XXXX and with XXXX Bank. This has been an ongoing issue in trying to get my name cleared. I should have nothing negative reporting on my file and only XXXX inquiry that belongs to me from XXXX. I am attaching to my complaint the amended police report that shows those XXXX fraudulent checking accounts on the police report 

Company response: Company chooses not to provide a public response
Consumer complaint: Spire recovery solutions called my brother saying I owed a dept since 2007 for a XXXX..I called XXXX today and they pulled up my credit saying this has never been on my credit report..and put out a fraud alart on this issue ... they have been harrsing me threw email and phone .... 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There was no validation sent. Was served to come to court with out a right to dispute debt. There was mail forwarding from previous address and nothing was ever forward. Requested validation of the debt and it was not provided. 

Company response: Company chooses not to provide a public response
Consumer complaint: The original creditor " The XXXX XXXX '' performed surgery on my wife 's cat. They stated we should use XXXX XXXX, and we subsequently applied and were granted {$4500.00} for the surgery. They performed the surgery, and did not anchor the leg pin correctly. The pin stuck out of the cats skin more than an inch, and required constant wound care. We took her back, and they said they had no idea what to do, and we had to beg for antibiotics. They refused to perscribe cat pain killers even though she had a XXXX out of her back. They then informed us that they had fired their office manager, and would not take the XXXX XXXX which they had suggested directly that we use, and that the full amount was due even though the credit terms with XXXX XXXX were 2 years no interest. This is unacceptable and borderline fraud. We attempted many times to talk with the business owner to come to some arrangement. 

We have since filed a small claims case against the practice, and we had notified the business of the court case prior to them selling our account to a collection firm " AUDIT AND ADJUSTMENT ''. When we found out about the collections, we contacted the collection firm and notified them that the debt was disputed, and sent them copies of the court papers. 

Their response was a simple note with the name, but not address of the XXXX XXXX ( I believe that FDCPA requires the address as well ) as their verification of the debt. We called back and reiterated that there was an ongoing dispute and pending court action. Imagine my surprise to when my credit monitoring software notified me today that " AUDIT AND ADJUSTMENT '' had filed a collection record. First the debt is clearly being disputed and a Judge will decide if the XXXX XXXX is liable tomorrow. Second for them to go after myself and my wife and ding our credit when there is a clear and specific dispute and pending court action where we are the moving party is insane. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: On XXXX/XXXX/2015 I bought a copy of my Tranunion credit report XXXX Order Number : XXXX ). I disputed several items on my credit report and requested that the results be sent via email. I did not want my report to go out in the mail. On XXXX/XXXX/2015. I received notice from a credit monitoring service that their had been changes to my Transunion report. On XXXX/XXXX/2015 I contacted Transunion to inquire when I would receive a response. I spoke to a representative who purported to be a supervisor ... she told me an email had already been sent to me. I explained that I did NOT receive the email. She gave me XXXX options, she could either mail out a copy or she could go over the results over the phone. I explained that I had paid for an electronic copy and I want my results and updated report electronically. 
Her demeanor was take it or leave. I asked to speak to a manager, she refused. I refused to hang up until she transferred me to a manger. She transferred me to voice mail with an inaudible name. I left a message. As of now I have not received a response. My biggest concern ... TranUnion purports to have sent an email. Who received this report / results? Where was it sent? I DID NOT RECEIVE THE EMAIL. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company calls XXXX times a day, leave messages to return the call, I spoke with a rep XXXX XXXX, 2015 advised her of the calls, also in violation fdcp laws and guidelines, gave her my attorney name and contact number as we 'll. after I hung up with her XXXX was the name of the rep, she called or the company left another XXXX messages. This is harassment I do n't understand. This company calls and leaves messages XXXX to XXXX times a day I have proof as we 'll 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a mortgage modification with my lenders XX/XX/XXXX, XX/XX/XXXX and was denied because they said in XX/XX/XXXX I did n't get all documents in which is incorrect then XX/XX/XXXX they said they denied me for Tier 1 and tier 2 because of my income I thought when modifying your loan it brings the interest rate down to 31 % of your income. Well now they said I was denied because my investor has decided to drop my taxes and insurance because of the value of my property and its not in their best interest to modify and they will not add escrow. Well when I purchase this home I had taxes and insurance on my mortgage is it legal for them to just take taxes and insurance off my mortgage if they want to? I am now {$28000.00} in arrearages with my mortgage my house is only appraising at {$35000.00} and I owe then {$61000.00}. What are my options to save my home. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i have disputed all of these items along with the inqiries and the credit bureaus did not address my issue. 

Company response: Company chooses not to provide a public response