AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Case # XXXX Ref : XXXX XXXX DISPUTEIn response to XXXX XXXX Executive Mortgage Specialist for Wells Fargo. After doing a lot of research, hence my delay for getting back quicker. I have to say that XXXX XXXX did not include all the correspondence that I have received from Wells Fargo. She failed to include the letter dated XXXX XXXX. XXXX and another dated XXXX XXXX,, XXXX, the letters included in HER response dated XXXX XXXX and XXXX XXXX, XXXX were not received by me, and looks like they were computer generated letters. She also did not answer my complaint about XXXX XXXX XXXX foreclosing my property in violations of NOTICE TO MITIATION CONFERENCE PURSUEING RHODE ISLAND GENERAL LAWS & XXXX, which states the NOTICE must be mailed no later than 60 days of the sale Date. Enclosed is a copy of Chapter XXXX Section XXXX XXXX XXXX XXXX ( RI ). First notice was sent on XXXX XXXX and XXXX Notice on XXXX XXXX. I am also attaching all the correspondence and the monthly financial worksheet reflecting my monthly income and expenses ; the modification that was awarded on XXXX XXXX, XXXX was a standard modification and by HAMP guidelines if the first modification fails I should qualify under the HAMP Program, also my circumstances changed as I got divorced on XXXX XXXX and was a loss of income. Once again, I want to thank you very much for your assistance in this matter. I definitely do not want to lose my property and its bad enough my tenant is being harassed by XXXX XXXX XXXX who continues to come to the property attaching letters on all doors. I hope this matter will be resolved in good faith, so the foreclosure can me recinded and I can be approved for loan modification and go on with my life. 

Company response: Company chooses not to provide a public response
Consumer complaint: medical bill paid by insurance company is showing up as delinquent. 
Our XXXX Administrator said the following : Claim # XXXX was originally processed on XX/XX/2013Billed amount $ XXXXAllowed amount - $ XXXXCoinsurance - $ XXXXXXXX paid PROVIDER on XXXX/XXXX/13 {$510.00} ( Check # XXXX ) E payment - draft # XXXXTotal member responsibility on this processing $ XXXXClaim was Adjusted and reprocessed on XX/XX/2013XXXX overpaid provider by $ XXXXRequested reimbursement from provider of $ XXXXMaking NEW member responsibility of {$100.00} ( plus original {$57.00} ) to total {$160.00}. 

I would have the member 's provide the payment information to the provider that XXXX paid a total of {$410.00} and member is responsible for remaining {$160.00}. This will total the {$570.00} that was billed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My daughter has student loans through Sallie Mae, I am a co-signer, due to her pay schedule her payment may be a few days late. We receive robo calls about a week before payment is due, and then for about a week after. These calls come every hour. I have called and talked to their representative and they tell me there is nothing they can do to stop the calls even after the payment is made. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I bought a house using XXXX home loans and closed in XXXX 2015. A couple of weeks later my mortgage was sold to US Bank. The date of the transfer from one to the other was XXXX XXXX. 
I made my mortgage payment on XXXX XXXX 2015, of {$1700.00} to XXXX XXXX XXXX ( before my mortgage switched to US Bank ). Since the take over US Bank has said that I still owe the payment due XXXX XXXX, and XXXX XXXX Loans, say that I have paid it and they are wrong. I have made 4 calls and spent time trying to find where this missing payment that these companies can not figure out. 
So now I have become a middle man between XXXX multi-XXXX dollar companies to resolve a payment. I do not owe US Bank a payment until XXXX XXXX 2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage was sold to Specialized Loan Servicing LLC, effective XXXX/XXXX/15. I did not receive the legally required notification from SLS ( only received notice from my prior mortgage company ). Further, after making first payment to SLS and confirming payment cashed, SLS offers NO way for the customer to verify that the payment has been applied as per the mortgage agreement. I need to see that my payment has been applied to my principal, interest, escrow, and see the remaining balance as agreed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I obtained a {$1000.00} installment loan from Lendgreen. Per my agreement I am to make XXXX installment payments of {$300.00} to satisfy the loan effective XX/XX/2015. Upon checking my account Lendgreen withdrew {$380.00} on XX/XX/2015 causing an overdraft on my account. When I contacted them they stated the XXXX payment would be a little higher due to a certain amount needing to be applied to principle. Lendgreen also advised my loan would not qualify for any alterations to the agreement meaning I would not be able to postpone any future payments. For some reason I am also not able to access my original loan documents. The Lendgreen websijte continues to error out stating my computer is not compatable. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been paying on my student loan serviced my Sallie Mae since I began gainful employment. I have been paying the minimum amount, but numerous late feed were added to the account and they will not work with me on adjusting the amount, although I am making monthly payments. Therefore, I receive up to XXXX ( XXXX ) phone calls per day. Initially, I would attempt to discuss the late fees that had been assessed but received no assistance. I was told repeatedly by XXXX of the collectors " Pay yo bill, pay yo bill, pay yo bill ''. After that incident, I quit answering the phone. 
I am attempting to pay all of my student loans in a timely manner. Sallie Mae is the XXXX organization that will not work with me whatsoever and repeatedly call me everyday from XXXX to XXXX. Any resolve you could offer or assistance in how I should approach this organization would be greatly appreciated. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I moved into XXXX XXXX XXXX XXXX, TX on XXXX/XXXX/2013, with the rent of XXXX a month. My income begin to change and advise the property management XXXX XXXX XXXX of this. I advised that i would need to find a way to work out paying my rent each month, this was 4 mths after moving into the home. They did not want to work out a deal money wise and took advantage of my financial shortcomings and charged me {$2900.00} in late-fees, placed an eviction behind my name that was thrown out by the court, and also was had me placed with a property manager XXXX XXXX that was very mean displayed racism to me every-time i called. an spoke to XXXX XXXX who advised me that as long as someone moved into the home after me and took over the lease i would not be responsible for the rent. I moved out in XXXX and another couple took over the lease the next month. They were not only staying in the home the month of XXXX 2013, but they also were using my gas service ( XXXX ) and i was unaware until i receive a {$600.00} bill. I should only be responsible for 1 months rent and partial amount of latefees, as these late-fees are very prosperous. I was also charged with cleaning the home, and the home was clean, and their was nothing broken because i made sure to clean and spot check the home. I feel that in part this remainder debt {$5800.00} debt belongs to the people that leased this home to after me and destroyed their property. I also have eviction on my name that is false, they served a eviction in XXXX, and lost the eviction in court due to illegal eviction, could not prove case and payment was made and accepted. The home owner was charged {$250.00} for not showing up in court and providing evidence for claim, which he tried to make me pay and have also listed it on this fee sheet {$100.00}. I wish for this to be removed from my name as this is an illegal eviction. I was not evicted i moved out of the property due to financial difficulties and was allowed to do this by XXXX XXXX owner of XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a home in XX/XX/XXXX with my then husband. We separated and divorced in XX/XX/XXXX. Our divorce was finalized and ex-husband remained in marital home. He was to refinance taking my name off mortgage, He did not do so. He subsequently remarried and has since completed XXXX remodifications with his now wife. They continue to remain in the house nd are currently in their XXXX round of foreclosure notices. I was served a foreclosure notice ... ..he is now letting the home go and has no intention of making any payments. I have never signed a remodification agreement and papers indicate I " inadvertently '' did n't sign. There is an amount of approx {$490000.00} showing on my credit report preventing me from ever moving forward at XXXX yrs old. How and what can I do to resolve this situation. Any assistance will be appreciated. Thank you for any assistance. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted Credit Management LP and I requested that they validate the debt and I got no response. I requested that they remove this item from my credit report and they refused. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have been watching my credit very closely to make sure it does n't have anything negative I was recently informed of some {$21.00} debt by a company mead and associates I was NEVER notified or given a chance to dispute debt 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I paid off the Ray Klein on my credit report. I have contacted them many times asking for physical proof of satisfaction as well it to be reported as paid on my credit report. It has been months and they are saying they will do whatever i ask but refuse to give a timeline. it has been almost two months with no action. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I make multiple payments towards my monthly mortgage balance. The payments are not applied to my mortgage at the time of payment but are held in a ledger account until the entire minimum is received. I believe this practice is wrong and does n't benefit me the mortgage holder. 

Company response: Company chooses not to provide a public response
Consumer complaint: I started received mail a few weeks ago intended for different parties. I have no credit relationship with the other parties. I checked the credit report from Experian and under " Personal Information '', it lists a " known by '' name as XXXX. This is not my name and has never been my name. I have birth certificate as prove and official Department of State documentation. I attached XXXX documents which include credit report, and the mailings I received from institutions that use Credit Agencies. The names are those of my parents ( however, I can not conclusively state it is not a coincidence that the XXXX names on the envelopes are my parents who live on the other end of the country ) and have no association with this residence, nor do we have credit or business relationship. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been pregnant for the past 3 years. I have only went to XXXX XXXX. This company saying that I owe them and I never went there. It says it was open on XXXX 2015 well at that time I had medicaid and all doctor visits would have been covered. Plus I have insurance of my own with my job. I told them multiple times this is not my account. However they keep reporting to my credit report. When I know that it is against the law to do. With death validation and if they do n't have all XXXX legal binding documents which I know that they do n't because it 's not mines. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Kay jeweler found my family members phone numbers and has called them continuously to get messages to me. They went so far to tell my sister the name of their company and about how far behind my account is with them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been in foreclosure since 2008 on my home mortgage ... The mortgage holder is Bank of America , National Association, and the mortgage servicers XXXX ... I fell behind due to financial hardships, the economy and personal hardships ... I was put in active foreclosure and worked diligently to get a loan modification ... I was given a forbearance agreement and lived to the terms/conditions of the agreement by making XXXX consecutive payments on time ... I was not given a loan modification as I was told I would have to pay the full amount due in arrears which I could not do at the time ... I continued to try and work on a loan modification and continued to pay the monthly payments on time -- -some were cashed, some returned ... I finally had to put myself into Chapter XXXX bankruptcy to stop the sale of my house ... while in bankruptcy the mortgage holder sent to the courts a note completely different from the note they produced in my foreclosure case -- XXXX separate and disctinct notes with different signatures ... I discharged myself from bankruptcy and continued to pay my mortgage on time and have for the past three years ... I am afraid the mortgage company will start the sale process again as I have continued to send them information they request ( as I have at least ten additional times in the past ) and I do not foresee them granting a loan modification ... XXXX XXXX claims I do not fit into their mold for a loan modification ... XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I deposited a check into my Wells Fargo account. The check bounced. I was charged a " returned check '' fee that amounted to XXXX % of the check 's value. 

The Wells Fargo manager acknowledged there is no way of me preventing this charge, but refused to issue a refund. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX I made an online mortgage payment to Carrington Mortgage Services. On XXXX I was informed that the payment was returned from my bank, so I made another payment and stored my routing number and checking account number. On XXXX i was again contacted by Carrington, who informed me that the payment was returned and that I " must have put in the wrong number. '' And, that I was turned into the credit bureau. I talked to another person on XXXX who verified, that I indeed had the correct information stored. I filed a complaint with the client advocacy department who said they would investigate -- received a phone call back, could not understand the return phone. So I have owned the home for almost 10 years, 8 1/2 which was with XXXX. Never, ever had a late payment. it is impossible to get through their main number so I go through XXXX. So the Carrington rep. on XXXX verified that the correct info. was stored, so they said they would pull the phone call. In the meantime, the only late ( false ) mortgage payment ever reported to the bureau. Plus, when I made the payments on XXXX and XXXX electronically, I received a confirmation email saying the payment was made. I believe they are committing fraud and need to be investigated because i see many other complaints online about them for similar reasons. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Someone offered to pay my car note for me, but he paid for it online.He obtained my car account number.now he is threatening to use the my information such as name, address, birthday, etc to get another driver license and get credit in my name.I trying to prevent this from happening.I am working on getting my credit score up and I do n't need anything negative to affect it 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian has been reporting an account with XXXX. Bank in the amount of {$280.00}. I have disputed this account with them numerous times and each time I was not provided with the actual verification documentation used to verify this account. This account was paid in full. Experian has the burden of proof to ensure the information reported is correct. They have not done this. I have an attorney on standby should this zombie account remain on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: A car dealership took my XXXX on trade and sold me a XXXX at XXXX {$31000.00} I did not qualify for the loan because I did n't have the income. The car salesman falsified income documentation and put down that I had military retirement income of {$1500.00}. per month, when in fact, I was never in the military. 
and my only income is {$920.00}. / month XXXX income. I bought the car in XXXX XXXX, but I live across the river in XXXX, so they did not tag & title the car. 
I ca n't afford the {$650.00}. to register the vehicle. I never should have been put this car. 
It bothered me that I bought it ... .I 'm typing this complaint on my neighbors computer because he insisted I contact you about this, because he feels they most definatly committed a fraud and do n't care about sticking me with this vehicle, only thatI keep it long enough where they would not have to buy it back from the lender, which is exactly what should happen because I 'm XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to Cars Now to purchase a vehicle through a loan through them. I ended up getting a suv. They had me get all their warranties that added up to {$1500.00}. So if anything happened to the car it would be covered. They also told me that if I wrecked they would give me a car that was the same value as my car and put what I have already paid towards the new car. I was already paying way more than the car was worth on top of the warranties. I paid my monthly payment on time always until the car kept breaking down. The socks were bad. The tie almost feel off. The rods that connect the wheels almost fell off. The fuel pump went out. The gas gauge did n't work. I put so much money into that car and was furious that the warranty they told me to have in case things happen did n't cover any thing. When the drive shaft went out and I found out how much it would be I told them to come get the car that it 's not safe. That All these inspections should of been done before selling it to me and they lied about the warranty. They would n't come get the car so we dropped it off to them. They contacted me on XXXX messenger which I thought was totally unprofessional. They dad my car on the lot to be sold not even a month later. In fact they sold it for the same price they sold it to me for. I never got a letter stating it was sold or for how much. They ripped me off. I did n't even know they had a collection against me till I checked my credit report. I disputed it to the credit bureau it now says paid but still says charge off. Not to mention the impact it has done to my credit. They said they could help my credit lies. They just find people with little or no credit or bad credit and after y then over with card that break down overcharging with promises that your credit will improve. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank credit card sent me to collections, reported negatively on my credit files and continues to collect on charges that I have disputed now for over a year. Wrong amounts being charged and I disputed as soon as noticed to the comaony many times via email, USPS mail and phone. The company has refused to correct the errors and now remove the balance and charges and continues to add fees and report negatively. This account and balance do not belong to me 

Company response: Company chooses not to provide a public response
Consumer complaint: Before I leave XXXX, I cancelled my credit card account with Citibank and paid all the bills in full. Several months later my brother contacted me that XXXX XXXX XXXX XXXX sent me a mail to collect money on behalf of Citi. I called Citi asking them if they can provide me the last billing statement. They simply ca n't provide me the detail. Of course I 'm not paying them!! What for? I have good standing account with XXXX and XXXX XXXX, never have any problem with them. 

Several years have passed, they still sending me letter. This time they offered me to pay only XXXX instead of XXXX. I called them again, the same thing happen. They ca n't provide any details. I 'm really dissappointed with them. This time I decided to pay it off, let Citi has my money. I am sharing this hoping that other people do n't have to go through this, especially if they are asking for a bigger amount. I do n't think Citi treat me fairly, I just asked them to send me the account statement. They ca n't provide it but they want my money. 

Company response: Company chooses not to provide a public response
Consumer complaint: As a customer of USBank it 's not clear just by looking at your account balance and transactions what your account balance is. You have to take the additional step of clicking on an icon next to the transaction and account balance to see your actual account balance at that time. The bank 's explanation for this is that " there are XXXX balances '', XXXX is the account balance and XXXX is the ledger balance. This seems confusing and a deceptive way of generating overdraft fees. In addition USBank says they charge overdraft fees on transactions the moment it takes an account negative at the card swipe with the merchant instead of when the funds clear the account. The combination of these XXXX USBank practices made it impossible for me to me properly assess and make the the apropriate same day cash deposits to cover the funds and avoid overdraft fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage was at XXXX now my new mortgage is XXXX starting XXXX 2015. The reason for this is because my escrow was overdrawn for home insurance with Flagstar. Not sure for how long but, I came up with my own home insurance. I have recently returned a check to Flagstar in the amount of XXXX. I am trying to bring down my payment back to XXXX and pay for my own home insurance since my escrow keep being overdrawn. The way Flagstar explained to me is that out of the {$550.00} paid monthly {$70.00} will be put back into my escrow. I have attached information on my account with Flagstar since XXXX and the amount remains the same every year to total XXXX. What mortgage remains the same for 13-years. Can you help? 

Company response: Company chooses not to provide a public response