AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: To whom it may concern, I received an Escrow account disclosure statement and notice of new mortgage payment dated XXXX XXXX, XXXX. In the statement, the bank has attempted to forecast my escrow account for the 5th year of my mortgage. Technically, they have done it incorrectly because I have FHA Insurance that should be suspended in XXXX XXXX per the terms of the mortgage contract. However my concern is the current principal balance that is posted to my account at the company 's website. When the analysis was conducted and the statement sent, the company calculated a shortage of {$91.00}. They allowed for XXXX options, pay the entire amount with a resulting mortgage payment of {$800.00} or pay the shortage over the next 12 months in a new mortgage payment of {$810.00}. This would be effective for the period payment on XXXX/XXXX/XXXX. I chose to pay the entire shortage of XXXX with a resulting payment of XXXX, as I have done in the past. I adjusted my Excel workbook, calculated the payment, maximized my additional principal payment and submitted XXXX payments to the mortgage company. XXXX for the escrow shortage and XXXX for the required payment of XXXX plus XXXX in additional principal. Total payment for XXXX XXXX, XXXX was {$1100.00}. The current outstanding balance shows {$88000.00}. This is incorrect! Referring to my XXXX workbook shows this is different than expected, so I viewed the account summary which shows " Last payment received on XXXX/XXXX/XXXX {$810.00} " and shows " Next payment DUE ON XXXX/XXXX/XXXX {$800.00} '' and also shows transactions for the period. Here are the last transactions specific to the XXXX/XXXX/XXXX payment : Date, Description, Amount, Balance XXXX/XXXX/XXXX PMT REVERSAL {$0.00} {$88000.00} XXXX/XXXX/XXXX PMT REVERSAL {$91.00} {$88000.00} XXXX/XXXX/XXXX APPLIED FUNDS ( Details ) - {$91.00} {$88000.00} XXXX/XXXX/XXXX PRINCIPAL PMT ( Details ) {$91.00} {$88000.00} XXXX/XXXX/XXXX PRINCIPAL PMT ( Details ) {$280.00} {$88000.00} XXXX/XXXX/XXXX PAYMENT ( Details ) {$810.00} {$89000.00} After looking at these items, I see several mistakes and I am no banking consultant or mortgage analyst but I found it odd that the items do not match my Excel workbook which tracks my payments, as well as my outstanding balance, to include some other details. If I recall, I think that WFC is the largest holder of residential mortgage loans and would think that they would be able to correctly determine the outstanding balance of my loan. Maybe they are trying to make an arbitrage profit? I do n't think that it is fair that I have to watch my account to determine that there are mistakes being made. 

In summary, on XXXX/XXXX/XXXX my required payment was XXXX. Effectively, my payment on XXXX/XXXX/XXXX was XXXX, the same as it is showing for the current month, due XXXX/XXXX/XXXX. WFC calculated my payment as XXXX for XXXX/XXXX/XXXX. In doing so, the outstanding balance is incorrect. I have not viewed the escrow account for discrepancies but imagine that there may be some. 

Company response: Company chooses not to provide a public response
Consumer complaint: Aqua finance, XXXX XXXX XXXX and there investment banks are still harassing us. We sent numerous complaints to your office through the U.S. Mail and also online. Just recently we started receiving responses from Aqua but for what ever reason we could n't see what Aqua had wrote and we used different computer devices but nothing would show. We started writing your department because our complaint would n't go through when we hit submit at the end our when Aqua replied, the system for whatever reason would n't allow us to dispute. This is another tactic by Aqua using there influence to manipulate the situation. Why would we submit a complaint of harassment as many times as we have and not follow up on them makes no sense! Aqua is getting caught in all types of lies. Aqua stated that financial systems XXXX are no longer working on our account, they just admitted to another lie. If your department pulls out all the information that we sent you, there is a correspondence print out that displays conversations between Aqua, the XXXX and ourselves. Aqua clearly stated on the correspondent that they Do n't Have Anyone Working On Our Account so with there on words they are caught in a XXXX and yes we have copies plural of that correspondence print out and we can always send your department another copy! Aqua wo n't even address the conversation involving the print out, they only address the pictures thinking they can explain there work vehicles constantly being around us XXXX following us XXXX. Aqua in there arrogance has forgotten that they told the XXXX that they do n't have any representatives in our region, once again another lie! If your department reviews our complaints and the evidence that we have sent you, this a clear case of felony harassment. Aqua also told the XXXX that they do n't deal in real eastate or mortgages and that they never have and they never will. Well I guess I can see the future, because if your department checks there web sit you will see that Aqua is in real estate, mortgages, car loans, business loans and even personal loans. In my opinion this makes them a much stronger company to harass people because they a lot of influence. We can send your department another print out of there conversation with the XXXX that proves that they are liars and are very crooked companies. Ever since we have been sending your office complaints, it has yeilded significant results, we have also sent the Texas ago at least XXXX written complaints over the last 4yrs. We appreciate all your help and if this has to go to court your departments wo n't be forgotten when talk to the media. A lot of lives have been ruined by these thugs and it 's time to, bring them and there collegues to justice. No one is above the law, we do n't care how much money or influence you have! 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XXXX XXXX at JMS Associaties told an employee about the debt, the amount owed, and who it is owed to. 

He continues to call several times a day and emails several times a day even after speaking with someone and leaving a voice message. 

I 've faxed a cease and desist letter to stop all contact immediately. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My refi application process has stalled, my loan officer is not responding to emails. 

Company response: Company chooses not to provide a public response
Consumer complaint: My Barclaycard Arrival+ account was shutdown without any warning or notice on XXXX XXXX, XXXX. 

I had XXXX points available on that card valued at {$2100.00} in travel credit. I sent Barclaycard a certified, return receipt letter that they received on XXXX XXXX, XXXX asking for an explanation as to why my accounts were shutdown and to have them reinstated. If that was not possible, I asked to be compensated for my loss of points. As of today, XXXX XXXX, XXXX I have not received a response. 

I feel that Barclaycard was deceptive in their advertising practices by allowing me to earn 2 % back in travel credit, and then closing my account without any notice, thus giving me no opportunity to redeem my points. 

Company response: Company chooses not to provide a public response
Consumer complaint: been a customer for years. had a tenant default on a lease and have med ical bills so i paid my bill less XXXX dollars this bank charges XXXX dollar minimum interest which is nuts. it means i will use it minimally. i hate the greed reflected when i am told interest is valid i did not ask that i asked for it back. my business is valid and now can not conitnue. other banks give me money off my bill for loyalty this one wants XXXX dollars of interest despite my good status so i can not use it again. i await the refund. you need to spend mess time with scripts and ore getting to know customers. thank you please do not respond witha script or you already refunded me. i am aware of how itnerest works and your response need not include that explanation. i am now unable to use my card further as my time is better spent getting wealthy than fighting for interest wehich only you make me do. and in turn i can not use the card 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I opened a chaecking account with bank of america. I had a loss of income and asked the bank to cancel my debit card out. They did not and they continued to allow a fraudlant charge to continue on my account resulting in fees. They closed my account bc of the XXXX in over drawn fees. They labeled my account as FRAUD. I have thus paid the matter. I am not able to open a checking account any where bc of teh FRAUD on my account. Can you help with me getting is removed? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I consented to a one time charge for my FICO score and was unfairly and deceptively enrolled into a program which had recurring charges to the amount of {$21.00} a month. When I contacted the company and told them I did not want or need this product, they cancelled the recurring billing but refused to refund my money. I have not used the product nor wanted it to begin with. I feel like they pulled a bait and switch on me and they do this to consumers all the time, earning {$21.00} out of each one while actually never providing any product or service. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: when I was unemployed I made my payment and it was fully paid 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Pressler and Pressler , LLP sent me a letter dated XX/XX/XXXX stating 1 ) they had been retained by XXXX XXXX, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XX/XX/XXXX. In that letter, I asked Pressler and Pressler , LLP to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by Pressler and Pressler , LLP approximately one week later. 

XXXX. I also pulled down my credit report and saw that this debt had been charged off. 

XXXX. I was served with a lawsuit on XX/XX/XXXX by Pressler and Pressler , LLP regarding this matter. 

ISSUE : This firm stated they were retained by XXXX XXXX. That claim is patently false, since the debt was charged off. If XXXX XXXX was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by Pressler and Pressler , LLP in the letter are fraudulent and misleading, and intended to intimidate. Further, Pressler and Pressler , LLP has extended this fraud into court. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Talked to Bank of America representatives on XX/XX/2016 about refund of bank withdrawal on XX/XX/2016. It is XX/XX/XXXX, more than forty days have passed, they have not returned the XXXX $ back to my account. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had an account closed due to a check that was written to me and they did n't have the funds. I paid the fees and was told I would be taken off of the XXXX. 3 years later they finally got around to getting that done, however, they did not tell me that they would keep me on the XXXX, which is owned by their institution. So I am still dealing with the same headache of not being able to open a checking account which is hindering my life and costing me a lot of money. I have tried appealing again to their fraud department with no luck. I do n't want an account with them, I just want to be able to move on with my life and they are preventing that. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: someone stole my identity information and used it to create several accounts that i have protested because they are fraudulent I have a police report with the information as well as had to report to the ftc id theft affidavit notarized but this company is reporting this on my credit and trying to collect 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: UNITED REVENUE CORPORATION IS REPORTING XXXX ACCOUNTS LISTED FOR A XXXX WHICH IS NOT ME. YET THEY KEEP REPORTING ON MY CREDIT REPORT WITH XXXX. I HAVE FILED A POLICE REPORT AND NEED THIS INFORMATION CORRECTED IMMEDIATELY. 

ACCOUNT # XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XX/XX/XXXX we tried to refinance our house. First time through XXXX XXXX. 
It went well until they sent us a higher interest rate than we already had due to having a manufactured home. We decided to go to a specialized company locally XXXX. 
We completed application and then found out XXXX was reporting fraudulent late 's. This was not an issue as I had proof they were lying, the problem came about when we looked at the credit report and XXXX Flagged me on a XXXX alert, without using the proper protocol. They flagged me based on some of my name and not the entirety. Never looked further than name. If you are familiar with XXXX, they should also look at birth date, mine XX/XX/XXXX, the person they matched me with was born in XX/XX/XXXX. Adresses where I lived. Never been near XXXX, the worse is I have been through nothing but XXXX since, still needing to refinance because XXXX is XXXX, they will never change and have caused so many health issues including a XXXX. I decided to write to XXXX and send it certified, along with my XXXX XXXX certificate, Ca Drivers License, ss card. I waited until XX/XX/XXXX and decided to get XXXX XXXX involved. After almost 11 months I have been exonerated from their Sanctioned list. The credit company that took did the reports were # XXXX XXXX XXXX, after sending them all documents mentioned above they removed it from my report. copies included. The company I am having problems with is Credco Corelogic, I sent them a complete package, they sent me back 2 letters, both requesting I call them. I have talked to them 2 times with no avail. they have refused to remove this fraudulent data off my report. If XXXX has exonerated me and I have and sent them documents certified, according to the FCRA they must remove this from my report. I refuse to insert a letter in my credit report explaining that they did not follow proper protocol. XXXX and then need to remove the fraud off my report, without destroying my credit score just like XXXX XXXX did. I have even been back to the XXXX company made copies for them and they refuse to help us. We need this completed, I have now been waiting 14 months to get rid of XXXX, I need them gone before they cause me another XXXX. I and my wife are permanently XXXX. I filed XXXX reports against them and nothing was ever done about them. I also plan to file a FTC this evening. If I get no results I will go back to XXXX, the one that got the XXXX removed. There is also a fraud credit pull on Credco report from XXXX XXXX, they have submitted a letter of removal and they also refuse to remove that. I have submitted all documents with this letter. 

Company response: Company chooses not to provide a public response
Consumer complaint: Cable TV I returned equipment and paid what I owed. They have me in collection. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Both my husband and I have tried to order our credit report from the XXXX website. Both attempts ended in an error or the report not being available. My request was for Experian and my husbands was for XXXX. Please correct this problem so we can get copies of our reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is not responding to my request to investigate and correct accounts in my credit report that are reporting incorrectly. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have several accounts that are NOT mine reporting to Experian. In addition my name is not correct with Experian either. I 've sent documentation proving my identity several times over the past 5 months and Experian is not complying with my demand to remove this erroneous information from my credit profile. This mis-reporting information is causing me much grief and frustration. Clearly I am NOT XXXX XXXX as they are reporting me as. On XXXX XXXX & again on XXXX XXXX I sent letters of dispute with all Identification documentation provided. There are several delinquent student loan accounts reporting falsely in my credit profile. I have confirmed with the Dept of Ed several times and they are in agreement these accounts are not mine. These accounts were deleted from my profile with XXXX and XXXX properly already. Experian is now the last credit bureau not in compliance. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On Wednesday, XXXX XXXX, 2015, I agreed to a settlement with Cashnet USA for a loan I foolishly got several years ago. The agreement was to pay {$250.00} from my debit card that ended with XXXX on XX/XX/2015. I received a reminder e-mail about the arraignment on Monday, XXXX XXXX, 2015, and so in an attempt to be proactive I went to their website and made a one-time payment of {$250.00} using a different debit card. 

I ignorantly assumed that they would receive the payment, close my account, and leave me alone without me having to call them back but I was wrong. Their " system '' should have been smart enough to do that. 

Instead, they charged the debit card that I used Monday for an addition {$250.00} today, although I have XXXX e-mails stating I authorized them to only debit the card ending in XXXX, not any other card. When I called them, they contend that since I used a different card Monday that their " system '' updated my profile to that card and voided the original agreement that listed the card ending in XXXX as the card that I wanted to use, even though they sent me no notification to that effect. The ridiculous part about that contention is if the system is smart enough to update my records to a card I did not authorize to be used on the XXXX then the system should have been smart enough to know that I had already made the payment on the XXXX to satisfy my agreement. 

The use of XXXX credit card does not automatically entitle that company to void an existing agreement to use another card at a later date, and this is simply an attempt to steal more money from me. 

I want the {$250.00} back that they stole from me by debiting a card that I did not authorize them to use. This is a very deceptive business practice and they should discontinue it immediately. They should not be able to hide behind " systems '' when debiting accounts. I believe they simply are using this as an excuse to try to bill people money that they did n't agree to pay. This is quite despicable! 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: My wife and I purchased our home XX/XX/XXXX for {$350000.00}. Since that time we have made timely payments each month and made significant improvements to the home. By XX/XX/XXXX mortgage balance was slightly less than {$290000.00}, while the market value of the house increased to somewhere between {$400000.00} - {$450000.00}. The mortgage has been held by multiple banks since inception, and was held by Ditech Financial XX/XX/XXXX, when we made a written request to cancel the PMI, based on the principal balance to market value ratio. 
In response to the PMI cancellation request, Ditech contracted with local Realtor XXXX XXXX to perform a Broker Price Opinion ( BPO ). XXXX XXXX came to the house to evaluate the property, and orally stated to us that it would " easily value at {$400000.00} or more ''. However, it is apparent that Ditech then communicated with XXXX XXXX about the principal balance left on the mortgage, and which time she returned a BPO with a value of {$380000.00}, several thousand dollars below the amount needed to cancel the PMI. 
Several facts make it clear that the final BPO was manipulated. Firstly, the BPO listed XXXX comparable sales, and in XXXX of the XXXX comparables the " Adjusted Price of Subject '' was significantly above {$380000.00}. The only comparable that set an " Adjusted Price of Subject '' less than {$380000.00} was 'Comparable # XXXX ' ( {$380000.00} XXXX and this property is located in an entirely different county, in less desirable school districts. Looking at the " Adjusted Price of Subject '' of the other XXXX comparables, the average figure is {$400000.00}. Even including Comparable # XXXX, the average figure would still be over {$400000.00}. Additionally, the Realtor selected XXXX comparable as being " Most Similar to Subject ''. These XXXX properties established " Adjusted Price of Subject '' values of {$430000.00} and {$390000.00}, for an average of {$410000.00}. 
Finally, the " Additional Comments '' section of the XXXX undermine the final determination reached by the Realtor. In this section ( page XXXX ) the Realtor notes the extensive upgrades made to the property. She expressly listed the major upgrades made, and notes " Upgrades equal to {$48000.00}. '' Given these upgrades, and the purchase price of {$350000.00}, even if the property did not increase in value since purchase ( which it undoubtedly has, as has every property in our neighborhood ) then fair marker value of the house would still be around {$400000.00}. Please note that all of these values listed above are greater than the {$380000.00} value listed in the BPO, and all of these other figures would have resulted in the cancellation of our PMI. Finally, while it may or may not be relevant the Realtor who conducted the PMI was the exact same Realtor who represented the seller when the purchased the house XX/XX/XXXX. She knew or should have known the value of the house at that time, and undoubtedly is aware that prices have increased in the neighborhood since we bought our home. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: XXXX XXXX XXXX collection agency added a brand new collection to my credit report with a date of XX/XX/XXXX for an amount of {$6100.00}. This original account charged off 7+ years ago and this collection dropped my score XXXX points. I demand they remove this debt from my credit report and stop attempt to collect on it. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response