AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am receiving calls from the Focus Receivables Management Group. 
The Calls are automated and only offer a call back number. I 've called them to advise them that I am not the party they are attempting to reach. I 've been informed each time that my number would be removed from their database. They continue to call. The calls are now harassing. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: XXXX has now called me twice to " collect a debt ''. Each time I missed the initial call. The first time, I returned call, identified myself, and asked who the debt was incurred with. They indentified a vendor. When I said I had never done business with the vendor ( no company I recognized ), they said " sorry, we 'll remove you ''. 

Today, several month later, they called again. They left a message with a reference number. I returned the call. After a XXXX5 minute wait, I was connected to a " XXXX ''. I had to give her the reference number twice. She then asked my name to which I replied " you called me, so you must know my name ''. She said she would have to transfer me to " the department that takes care of that ''. After a brief wait, the call was picked up by a man whose muttered his name. I started giving him the reference number, he cut me off and put me on hold, then returned, apologized saying he " was finishing up with a lady on another call '' ( begging question of why he took my call ) and asked for me to " repeat the reference number ''. Again, I refused to give my name telling him he must know it from the reference number. He said " for privacy '' he needed to know my name. He tried several times to get my name, I refused telling him I had no uncollected debts ( note : I do n't even have any past due amounts ). He then asked for my phone number so that he " could take it off 'the list ' '' begging the question of how would he know that I did n't owe money other than my word? 

Thus, either he was being dishonest in saying that by simply giving my number he would remove it from the calling list ( note : seems strange they would not have a caller ID on incoming calls and my cell phone number 's ID is not blocked ) or that, more likely in my view, he intended to cross reference the number to get my name. Either way, it appears that the " reference number '' is bogus. Obviously he could have asked " am I speaking to [ my name ] and then asked me to provide address and phone number to verify my ID. 

I suspect Focus is employing intimidating tactics ( that might skirt the limits of the law ) or, worse, is engaging in outright fraud. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Wrong Address also XXXX report had wrong year of birth also had myself listed as XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I kept receiving bills from XXXX XXXX Department of Health Services ( DHS ) about some medical expenses i do not owe. I have n't used any of their services so this debt is absolutely not mine. Now I 'm receiving a " Notice of Debt '' from Linebarger Goggan Blair & Sampson , LLP attempting to collect this money I DO NOT OWE! I 've attempted to call several times and do n't get an answer and I am starting to feel extremely harassed by these collection letters. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: DONT BANK AT US BANK, THEY ARE FRAUDS. Bank returned items ( or held items ) when they where a debit purchase and should of came straight out of your account. I had a Target purchase for XXXX dollars and sufficient funds over a XXXX. They returned items so in a week it could come back and overdraft my account. Also they overdraft my account on items that cleared with sufficient funds. Then turn around and charged me again for an extended overdraft. They are crooks, and need some to investigate them. They are rude, mean, and do n't give a XXXX about there customers or helping them. When I went to close the account they would not let me have any documentation to proof I close the account. They said they have to get with there legal services. XXXX!!! All banks give you documentation, or something to say it is a closed account. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX, I settled with XXXX XXXX on my new house. My first mortgage payment was due XXXX XXXX. My Mortgage loan was transferred to Freedom Mortgage and has been a horrible experience. My first payment was made via check and cashed/cleared my account by Freedom XXXX XXXX XXXX. I attempted to make my second payment XXXX XXXX via internet but system problems so I telephoned it in that payment and was advised there system was done. Hours later I logged into Freedom website and saw to pending mortgage payment. Immediately, I called them. I was advised the payments could not be stopped but that once they received both payments, the other erroneous payment could be refunded. After weeks of Freedom not taking, not even one payment, I started calling. After three days, I spoke with a supervisor whom advised, my XXXX payment was cancelled out by someone but could n't explain why, and he said it appeared as if my XXXX XXXX payment was being refunded to me and that I would need to remake my XXXX XXXX payment. This sounded ridiculous. By now my account was reflect I owed XXXX XXXX, XXXX XXXX and since it was getting close to XXXX XXXX. Freedom opened and investigation to look into my account. They even reported this to non-sense on my CREDIT REPORT WHICH HAS NOT BEEN CORRECTED YET AND SHOULD BE DELETED. I had to provide a copy of the cancelled check showing I made my XXXX XXXX payment because they could not locate the check and said they could not find the funds. They stated the funds should have been applied back to my bank account, FALSE. I had to provide bank statements to proof this. I sent a letter advising I would seek legal action if my account and credit report was not corrected. I am still waiting for verification this has been deleted on my credit report as I want to retain my same credit score. How can a company with a pending investigation report an unresolved matter to your credit? They currently have me owing a late fee for XXXX XXXX. I called in on the XXXX and made this payment, my payment is not considered until after XXXX. They are saying it was not received until the XXXX. I am now requesting a letter from Freedom Mortgage stating that they have deleted this from my credit. I was informed it was made current, NO this is not sufficient. It needs to be deleted. I had excellent credit with an impeccable credit score. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was told by my bank that if I paid a higher rate, my PMI will be included inside the loan and I would not have to pay a PMI. I am seeing PMI payments on my mortage account for approx. XXXX This was n't suppose to be there. The bank lied to me by using depective practices to give me a higher rate. My rate was suppose to be 3.625 with lender paid PMI but I was given at closing 4.625 instead. I questioned the rate during the entire mortgage process but I was told its an estimate and it will be updated before closing. I raised this issue at closing again, but I was told to go ahead with the closing otherwise I will lose my money on deposit and other money I paid for the house such as inspections and etc. 

Also, I have requested several times from the bank to see the original loan documents, but the bank says they lost the original documents and can only provide copies. I believe my documents were altered and at closing I was told they will fix it but the bank never fixed it. I was also told I did n't have to escrow my account. But now the bank refuses to remove the escrow and wants me to send them more money to remove it. 

I have been asking the bank to show me any disclosures documents. Bank did n't provide any disclosures to me during loan process. All I got was a surprise at closing. 

I spoke with Wells Fargo while writing this letter. I spoke with Wells Fargo Representatives at XXXX at approx for about an hour more or less. I spoke with XXXX Supervisor in Loan department and she saw the Settlement Statement ( HUD-1 ) and says she sees my complaint is valid. HUD Statement Page XXXX ( Attached ) clearly shows the issue at hand. 
XXXX stated she has to escalate this issue since my complaint is valid, I was transferred to Office of the President and I talked to XXXX XXXX. She went over the complaint again and said someone from the retail divison will get back to me within 48 Hours. 

I have been reaching out the Wells Fargo for well over 2 years now and I have zero faith they will do anything about this issue and they keep giving me the run around. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I filed a complaint regarding Wells Fargo Home Mortgage a few weeks ago under Case # XXXX. Wells Fargo requested more time to investigate the matter. 
This on Monday XX/XX/XXXX a letter ( See Attached File ) from Wells Fargo was sent to me and it was back dated to XX/XX/XXXX. And it was sent to my previous address out of state. In the letter Wells Fargo states it regarding my previous application for home financing and not about current home and its a notice they should have sent XX/XX/XXXX. It 's the Notice of Action Taken and Statement of Reasons. They are stating I should have received this disclosure during that time but I did n't. This letter was for a previous property that I was trying to buy but the deal did n't happen due to a difficult seller. So we moved on to buying the new property which Wells Fargo holds my current mortgage. 
I believe once I made the complaint under Case # XXXX, Wells Fargo is trying to cover there tracks by back dating this letter and not trying to investigate my complaint properly. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: They called claiming I owe a debt for lab work. I have not seen the results and my doctor can not get a copy to verify this lab work was done. When I asked for a copy of the bill from the original creditor they stated they do not send any paper work except receipts stating paid in full. They now call several times a day but do not leave messages and when I answer they don ; t say anything. It may be an auto dial or they hang up. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My mortgage was transferred to LoanCare LLC about 6 months ago and I have an issue with a {$10.00} fee that I am being charged every month. They charge this fee depending on when you pay your mortgage during the month. I have been paying on the XXXX of every month due to my pay cycle at work and I am forced to pay an extra {$10.00} because of this. According to all my documents and closing papers this fee is being wrongfully charged. Before it was transferred I made my payments in a similar fashion and was never charged a fee. Is this legal? I would like to stop paying this fee and would also like to get my fee payments back. 

Company response: Company chooses not to provide a public response
Consumer complaint: Perhaps this is a common problem. I have had private law school loans since 1998. These loans are currently split between XXXX service providers - XXXX ( formerly XXXX XXXX ) and Access Group ( ACS ). Since my loans went into repayment, I never missed a payment, and paid my full amount owed every month. However, in the last couple of years, I 've had some challenges. I had to take time off from full-time employment due to some health issues, and we needed to relocate for my husband 's job across the country. I had a baby. I needed to stay home for a while. With both loan providers, I was able to suspend the federal loans, but the private ones have been more problematic. I am told I have no other options with those at this point. The monthly for ACS is {$270.00} and the monthly for XXXX is {$230.00}. The financial stress on our family is significant because of this, as I am not bringing in an income and not receiving any type of unemployment assistance. The lenders claim I have no options. I asked if it might be possible for me to pay a lower amount each month until I obtain employment. The answer was no, that this would still be considered default, even if I paid XXXX-XXXX percent of the amount owed each month. Essentially paying a substantial portion counts for nothing. I feel that this makes no sense and is borderline predatory. It seems as if trying to work out an arrangement with them is impossible. I understand why people give up and do n't pay at all. However, I have excellent credit and it 's important to me to retain this. It 's going to wipe out our savings over the next few months. I think the unwillingness to work with clients during financial difficulties is a real problem. This is not credit card debt. Most of us with these loans are responsible consumers. The failure to work with an individual who is willing to pay the maximum possible in his/her current financial situation, is something that I felt was worth documenting. Thank you for your efforts to monitor business practices by the student loan industry. 

Company response: Company chooses not to provide a public response
Consumer complaint: Contacted Bank of America Credit Services prior to departing the country on XXXX/XXXX/2016 to inform them of a change of address. I will not have a physical address in the U.S. for at least the next 6 months. I have established a P.O. Box with the USPS and set mail forwarding to begin XXXX/XXXX/2016 when my lease terminates at my prior U.S. physical address : XXXX XXXX XXXX, XXXX, XXXX XXXX. I am out the country for work-related tasks. 

I informed Bank of America of all of this and gave them my P.O. Box which will be in use for at least 12 months as per prior agreement with USPS. However, today I was unable to finalized a XXXX transaction using my P.O. Box address and instead had to use my prior physical address to finalize payment with my credit card for a bus ticket for work-related travel from XXXX XXXX, XXXX to XXXX XXXX, XXXX where I will be staying for approximately 6 months. 

When I logged in to Bank of America Online Banking, no P.O. Box was listed so I manually added it myself, but was unable to switch my primary address from XXXX XXXX XXXX, XXXX, XXXX XXXX to my new P.O. Box address. I then called Bank of America Credit Services and was told that this was a non-issue and the P.O. Box was listed on my account. I responded that of course it was, because I had just added it. However, this did not resolve the matter with not being able to change the primary address associated with the account. 

I informed XXXX ( from XXXX ; only identifying information I was given ; Supervisor named XXXX XXXX ) that I did not want to be transferred to Online Banking nor a supervisor. I considered the matter to be closed as this was my second attempt to inform Bank of America in a timely and efficient manner of my change of address and travel/work-related needs. As the provider of my financial services, I informed XXXX that herself, her supervisor and their employer would be held responsible for the security of my personal information and the security/integrity of my financial information. No information should be sent from Bank of America to my prior physical address : XXXX XXXX XXXX, XXXX, XXXX XXXX after the effective start date of my mail forwarding service with the USPS on XXXX/XXXX/2016. 

I am filing this complaint because XXXX was unable to give me a definitive answer abou the resolution of the update to information in Bank of America 's system in regard to my primary address, as well as the fact that she negated or disputed whether or not the facts of the matter were as they are. Indeed, Bank of America 's online account information still lists my prior physical address in the U.S. as my primary address. I also informed XXXX that if I had any further issues with finalizing financial transactions due to lack of recognition of my P.O. Box that I would file as many additional CFPB complaints as necessary to resolve this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a customer of LoanDepot for a year and havebeen making timely payments on the same date everymonth through my online banking. Although submittingpayments on time in the past three months and the moneygone out of my account, I was told by LoanDepot that mypayments were not being received. No troubleshooting orassistance was offered as to root cause of the issue and Iwas afraid of fraud, otherwise I could not explain why themoney was gone out of my account but not received. 
LoanDepot advised me to call my bank and the bank saidLoanDepot is not cashing the payments. I called LoanDepotand my bank a couple of times and no one was able to help. 
Finally I called the LoanDepot XXXX number listed in myonline banking. They said they are the XXXX XXXX officeand because I am on the East Coast I should call a differentXXXXXXXX number. I then noticed the PO BOX on mymonthly bills was no longer a XXXX XXXX address as I havebeen making payments to for the past 8-9 monthsbut a New Jersey address. The last transaction went through XX/XX/XXXX but the XX/XX/XXXX payment did not. I did not receiveany notification from LoanDepot that due to the PO BOXchange my payments will not go through as of XX/XX/XXXX. 
Why could n't they clarify this for me the first time I calledand let them know the money is gone out of my account? 
As a result my credit was affected and even though my bankprovided the Good Faith evidence of timely paymentsLoanDepot is not willing to rectify my credit reports. I showone late mortgage payment through no fault of my own. Mycredit dropped significantly. I need assistance working withthe lender to correct this error with the credit bureaus. 
I made all payments on time with proof from the bank and itis only right that my credit reflects that. Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Debt is not mine and the Statute of Limitations has Expired. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I filed for a Chapter XXXX bankruptcy on XXXX/XXXX/16. I am looking to keep my home and have been waiting for US Bank ( my mortgagor ) to send me an re-affirmation letter for the loan. I have waited for this letter to no avail. On XXXX/XXXX/16, I went to bankruptcy court and emailed my MAP representative, XXXX XXXX and asked that I re-affirmation letter be sent to me She has never responded to my email and returned my phone calls a week after and she tells me that I have to get my attorney to type it up, have me sign it and submit to US Bank. I called US Bank today and was told by the bankruptcy department that there is no guarantee that they will send a letter and even if I request XXXX it will take XXXX6 weeks to send out a reaffirmation letter and if my bankruptcy discharges before I get it, my attorney would have to file a motion to reopen it. I asked that the call be escalated and speak with a Supervisor, I was asked why did I need a Supervisor and it is stupid to ask for a Supervisor and even stupider to want the call the escalated and stuck me on hold for seven minutes and then hung up on me. 

Does it really take XXXX6 weeks to send XXXX sheet of paper when the all the information is already received? The rude behavior of US Bank 's staff is atrocious and needs to be rectified. I do n't have the extra money to pay my attorney to reopen my should my bankruptcy discharge without my loan being reaffirmed and I lose my house. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX has called me numerous times a day leaving messages stating that I must call him immediately about my case and that they will be garnishing my wages. He then proceeded to call my mother, step mom, and both sisters and gave them personal information. He told them I wrote a bad check, or that it was a legal matter. Both of which are false. I had already spoken with someone there about making payments, but they still call my family members and threaten to call my work. Also, I requested they mail me verification of the account and they refused. The woman argued with me saying my contract with XXXX was now theirs and that everything I agreed to with them, I had agreed to with her company.I told her that since she was n't the same company, I had not signed a contract with her. She got very upset and then finally agreed to mail me a letter. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I worked with a Wells Fargo loan officer to purchase a investment property. I was told I would need XXXX % down. They were aware that the property was duplex. 5 days before my closing I was told I needed XXXX % down. Since it was there mistake they stated they would reduce some of my fees. In fact they increased my fees. 
I do n't know if this other complaint goes to you but my closing title company did not provide anyone to close with me to explain the documents I signed. They just told me to go to any notary since I lived out the state ( even through they knew this and did n't make arraignments ). Also I have not received a copy of the signed closing documents I signs and I was not provided keys and the XX/XX/XXXX rent to the address and lease agreements. They told me I have to contact the owners realtor to get that even through it was in my contact. They realtor told me they ca n't give me a copy and to ask the renters. Also I have received the rents. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 'm a victim of identity theft and someone else took my information and opened up accounts in my name right now there 's something on my report from a company name XXXX that I do n't even know about and this is crazy, it 's really XXXX me. 

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