AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My ex-wife and I owned a property, with the Mortgage being held by Wells Fargo. We got divorced, and both of us ended up filing for Chapter XXXX bankruptcy and receiving discharges for each of our filings. Each of us surrendered the property as part of our filings. Since the surrender and discharges, Wells Fargo has not retitled the property nor made it available for sale, so my ex-wife and I are still accruing thousands of dollars in HOA fees and fines for a property we no longer own or have access to. While I can understand a small carryover, this has been ongoing for years as XXXX 2013 was the last BK discharge. We are looking to have Wells Fargo actually retitle the property to relieve my ex-wife and I of the additional financial burdens of the property since we do not own it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a veteran of the XXXX. As a benefit to me for my service, I receive free healthcare. The VA was my insurance for my prenatal care and labor and delivery. My son was born XX/XX/XXXX and the doctor that I chose for him made the initial doctors visit while we were still in the hospital. I received the bill from the doctor some time later and gave the doctor office the VA 's information so that they could process the claim. What I was unaware of was that the VA needed my son 's SSN in order to process the payment. I had no idea that the doctor 's bill was still deliquent until XX/XX/XXXX, 16 months after my son was born, until I received a letter from the collection company. I made contact with the collection agency more than twice and told them that I contacted the VA and gave them all the information they needed so that they could process the claim. I also told the VA that the debt was in collections and I was told that they " always do that, '' meaning the collection agency will continuously go after the patient until they receive payment, even though the patient has insurance. I got tired of letters and phone calls from the collection agency so I contacted the XXXX and made them aware. The final result was the collection agency not contacting me anymore. This issue has knocked off XXXX points from my credit score and the note says, " individual responsible. '' I am not responsible. The VA is responsible and the doctor will not get paid until the VA finishes processing the claim, however long it will take. I would like this issue to be removed from my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was given a fraudulent check through a person i met through XXXX. I deposited the check through my bank account via Bank Of America, they took a day to process, which was approved. so i proceeded to do as the person asked which was to pay bills, and two days later Bank of America decided that the check was apart of a fraud. They did not warn me or approach me of the activity going on instead i had to find out myself. they are unwilling to work with my situation of unknowingly depositing a fraudulent check. yet even then they still approved a bad check, and two days later decide that it is n't what they thought. i have never heard of a bank having a policy in this sort, instead i have known of banks not allowing right away for a fraudulent check to be approved. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had duly verified the checking account, weeks ahead in time, for full balance payment every month, despite which the bank went ahead and applied late fee + interest charges of {$32.00} on purchases. On calling, they acknowledged that there was a system error in not activating the balance payment and reversed the late payment but declined to take away interest charge on purchases. I am disappointed that despite going through steps of verifying the checking account, I get charged with interest charges when it was their system intrinsically not activating. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have close a life insurance which was taken our of my account automatically. I called the company and they say it willi be cancell. Then I did n't have funding for it. I called bank of the west XXXX number and they tell me they ca n't do anything about it so i have to call bank of the west here on XXXX. So I called and the Lady and we and says she will take care of it and my account will be close. I refuse to pay a life insurance of {$6.00} and bank of the west keep on charging me everyday that I have no money to pay. I dont feel its right to treat poor people like that. 

Company response: Company chooses not to provide a public response
Consumer complaint: Started a refinance with Geneva Financial on XX/XX/2015 with XXXX XXXX, received Good Faith Estimaterate of XXXX. Due to internal company policies, XXXX had to hand me off on XX/XX/2015 to another loan XXXX XXXX XXXX ( Branch Mgr/Senior Mtg Originator ). On XX/XX/2015 received another XXXX XXXX XXXX loan rate of 4.250. These were the last papers I signed. On XX/XX/2015 I received ANOTHER Good Faith Estimate loan rate of 4.625, within days of closing. To get this far I had to back date documents per XXXX 's instructions, and DO to the extremely lengthy time frame, I needed to get a XXXX home appraisal at a cost of {$450.00}. I did not close on the loan do to the high interest rate, and in checking the average loan rates as of today ( XXXX/XXXX/15 ) are 4.125 - 4.250. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Case number : XXXX recently submitted a complaint about Bank of America in regard to my mortgage loan. I received a phone call from Bank of America when I was at work and when I was explaining to the lady that she can call me after XXXX EST, she said her office hours were until XXXX, pacific time, and that she could not call me and started threaten me to take some exaction. I interrupted her to explain my situation, but she hung up the phone on me before I finished explaining. As far as I know, she could call me when I was at home because she would still be working when I get back home. I ca n't provide security information on the phone form my job because I do n't have a private office. In less than a week I have received XXXX letters concerning the foreclosure issue, which in my dictionary that constitute harassment. 

I still receiving letters every day about foreclosure when my account is up to date. I just posted my current month payment from my bank because I ca n't even access my Bank of America account online to see any information at all. 

Then bank has closed any accessibility I have to my mortgage and is harassing me, and threatening me of losing my house which I am not going to take lightly. I ask this agency to please help me regain my peace of mind, taking care of this nasty corporation that does not help clients at all. 

Company response: Company chooses not to provide a public response
Consumer complaint: Paypal limited my account with no choice of appeal or fair hearing. Operating in restraint of consumer rights. It was so bad that it destroyed my means of safety, security, and income online. They left me vulnurable to online predators and thieves. I hope you can address the issue quickly and have this dealt with. Im an ID victim and they just dont seem to care at all. The monopolize the market with competent secure media for financial transactions and chose to dictate the terms in the marketplace. Again operating in restraint of trade. I want my account reinstated without hesitation and equal access as a consumer to their product. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Sallie Mae called me XXXX times yesterday. I answered the phone each time and there was no on on the other end of the line. I called the number back and spoke with someone who claimed I owed an amount of {$25.00} and some change. I advised them that they had called me XXXX times in one day and the supervisor advised it was an automated system and shows they only contacted me XXXX times. After I ended the phone call because the supervisor and rep both told me there was nothing they could do about the phone calls until the bill was paid, I paid the bill online. The amount it showed I owed online was greater than what I was told on the phone, but I paid it all anyway. I received XXXX more phone calls after the payment was made last night. Again, no one was on the other end of the line. Today, I received XXXX more phone calls from the same number and no one was on the line. I tried to call them back, but ca n't speak with anyone because their office is closed. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: To whom it may concern : I am writing to correct/update my address. My current address is:XXXX XXXX XXXX XXXX , XXXX # XXXX, XXXX , CA XXXXI also needed to correct/update my place of employment : XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX , in XXXX , CA. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am requesting as a XXXX XXXX and Veteran of the XXXX XXXX XXXX, in the spirit of good faith, customer service and appreciation of my service to the country, that the outstanding balance be waived and forgiven and all collection efforts be ceased and not resumed on account ending in:XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a delinquent account with lan Financial Services ending in : XXXX with an outstanding balance of {$2700.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: Good afternoon. I have reviewed a copy of my XXXX credit report dated XXXX/XXXX/15. Ally financial is still listed in the " Negative '' accounts section due to stating the following " Discharged through Bankruptcy ''. This is absolutely incorrect. Also, an Ally credit reporting representative called to tell me that the vehicles were included in the bankruptcy and were turned in. The vehicle loans were NOT part of the bankruptcy. If this were the case, I would not have been able to trade in the vehicles and the loans would not have been paid in full .... Page 32 of the attached document shows that Ally / GMAC was reaffirmed and exempt from bankruptcy. 
It is unethical for this company to continue reporting incorrectly. 
I am having a similar issue with XXXX XXXX and XXXX XXXX. However, they are only reporting that I filed " Petition for Chapter XXXX Bankruptcy ''. This is true, but NO student loans were included in the bankruptcy. Therefore, should not be reported under " Negative Accounts '' Thank you for your immediate assistance, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Two or three times each week I receive robocalls from Harris & Harris Debt Collectors ( harriscollect.com ) asking me to return their calls at XXXX. Each time I do so, they ask me if I 'm someone else and then, after confirming I 'm not, they tell me the call was in error and promise to remove me from their list. The harassing calls then continue. My attempts to reason with the company have only resulted in rudeness. They have no interest in talking to me in person. They only rely on their robocalls. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: On XXXX XXXX I paid submitted a payment for my Bank of America Credit Card on the Bank of America 's web page to be posted to my account for XXXX XXXX. Their web page said they had a new system to do this, then processed my request and gave me a confirmation number of XXXX. XX/XX/XXXX, I received a notice that I did not pay my credit card and they charged me a {$25.00} for a late payment fee. I contacted them and I told them I did submit a payment through their web page and gave them the confirmation number. They said they will look into it and it may take 10 business days. On XXXX XXXX I received a letter saying they can not find record of receiving a payment and that they can not investigate a payment through a third party vendor. They gave the incident case number XXXX. 

I did not use a third party vendor. I used their own web page. I had a confirmation number their own web page gave me. Their NEW system obviously made the error and never charged my checking account for the payment. I should not be fined {$25.00} for the glitches in their system. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took out a {$5000.00} loan from my 401K because I had a family emergency, I deposited the check Friday XXXX/XXXX/2015 into my Wells Fargo Checking account. On Monday XXXX XXXX XXXX noticed online there was a notice stating my deposit was on hold and will not be available until Tuesday XXXX XXXX, 11days after the deposit date. I called the bank after I read the notice and I asked them to please help me cause I could n't wait that long because of the emergency that I had which was the main reason why I took the loan in the first place. They told me there was nothing they could do and that I had to wait. Since I could not wait that long, I asked to return my check so I can cashed it at XXXX XXXX XXXX XXXX. They said they could n't do that neither and that I had to wait. My dog die because I could n't afford for the emergency surgery and the medication that he needed. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX, I secured a mortgage with Bank of America ( FHA Home Loan ) as a first-time homebuyer. At the time I was offered free " debt protection '' for 1 year ; in the event I could not make a monthly payment on time, debt protection may apply. It was not clearly explained to me what this did and did not cover, but I was advised to accept it due to its free nature. In XX/XX/XXXX/XX/XX/XXXX, I realized that I had been enrolled beyond the 1-year mark and was being charged a monthly fee via my escrow account. No communication had been made to me that I was auto-enrolled beyond the free " trial '' period. I had been billed for an extended period without my knowledge. Further, I also encountered difficulty paying my monthly installment around the same period ( I was a full-time student prohibited from working and thus relying on savings and grants ). Realizing that I had " coverage '' without having known, I called customer service to request the debt protection and allow me some time to pay the installments without penalty. I was advised that debt protection did not apply to this scenario, only a select few ( that were likely not to happen ). 

As a consumer, the debt protection offering was presented in a way that favored BofA, and not me. My savings, credit, employment history were scrutinized very closely and thus it was fairly clear I was not going to need protection during the free 1-year period. Further, it is very unlikely a consumer will remember they opted for a free service, gone unused, after a full year. 

The result is that BofA made over {$1000.00} off me, without providing any benefit and knowing the likelihood of having it 's services used under its narrow parameters was marginal. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage lender ( Bank of America ) has done XXXX specific things that have cost me significant time and money:1 ) They refused to cancel my PMI for several months despite the remaining value of the mortgage falling below 80 % of the purchase price of the home. They claimed late payment for one or two mortgage payments as the cause for continuing to charge PMI yet the payments were set up as recurring in their system. Due to their system error, my payments were late ( both my checking account and mortgage are with Bank of America ). I was refunded the late fees because it was their error yet they still charged me PMI past the 80 % threshold. 
2 ) They are taking an egregious amount of time to process my refinancing and continue to increase the fees. I began the process of refinancing my mortgage in XX/XX/XXXX. I lost my job two months later and Bank of America was not able to complete the refinancing in those two months so I was stuck with a higher cost mortgage while unemployed. I now have a new job and re-started the refinancing process two months ago. This past week, they asked me what kind of home is subject to the mortgage. They have held the mortgage for nearly ten years, had me pay for an appraisal earlier this year and still do not know what kind of home it is? In addition, the fees they intend to charge have gone up significantly from earlier this year to today - an increase of over {$3000.00}. I am just frustrated because each month that passes is an additional month that I pay a higher interest rate. I am essentially paying them to take their time. On top of that, they are increasing the fees and asking me to pay for a XXXX appraisal in XXXX months. 

Finally, I have tried repeatedly for literally years to get a copy of the loan documentation from Bank of America where we agreed on the PMI and they have not been able to locate it. They have told me that I needed to pay PMI and did not have a choice in the matter and it does not matter that they have no record of me signing any documentation related to PMI. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX our loan was sold to Green Tree. We had only been with XXXX XXXX Bank for about a year ( XXXX ). We continued to pay monthly to Green Tree and in late XXXX filed Chapter XXXX Bankruptcy and reaffirmed with Green Tree. They were not included in our Bankruptcy plan. They were paid on time every month. In XXXX XXXX I received an Escrow Account Disclosure Statement. This was the XXXX XXXX I had ever received from Green Tree. It included a Deficiency Amount of {$3100.00}, shortage amount of {$860.00} for a total of {$3900.00}. I called them immediately. There were some odd things on the statement. For example in XXXX of XXXX there was {$310.00} to other. They could offer no explaination but said it looked odd so they would do another check and get back to me. I would call and check but was told it was still under review. In XXXX my payment went up to an amount I could not afford. My previous payment of {$660.00} jumped to {$850.00}. I contiued to make the {$660.00} because I had not heard any results from the escrow review and calls to Green Tree were fruitless. XXXX XXXX XXXX XXXX from collections called me to ask for the rest of my payment. I made the difference and she promised that she would investigate. Apparently the analysis was complete but I was not given any information. She submitted it again. I continued to research on my own and found my homeowners policy had increases. I called my insurance agent. We conference called Green Tree on XXXX XXXX. I was told that my escrow account was not my concern and I had no right to request statements or verification of where the escrow money had been paid. I was told we were not talking about my money and I would not be given any other information other that the standard Escrow Account Disclosure Statement. My agent and I stated that it was my money and I have a right to know where it went.He also reworked my insurance so there would be no money coming out of Escrow for insurance in XXXX. The agent reacted rudly to my insurance agent and told him the escrow would not be reworked, it would make a difference. It should have in my opinion. The Green Tree agent was extremely condescending and she was n't the last. My requests for information concerning this large amount of money was met in the following weeks with raised voices, rude tones and speaking to me very slowly. The revised Escrow Statement arrived on XXXX/XXXX/XXXX with a shortage of XXXX, Deficiency amount of {$2300.00} for a total of {$3700.00}. I refinanced with another complany this month but prior to the payoff Green Tree tried to bully me into making XXXX XXXX payment. The loan was paid off XXXX/XXXX/XXXX. I was never given an answer as to why my escrow did not receive a review in 7 years. My lawyer stated that since it was not part of the Chaper XXXX I should have received Escrow Statement. The phone calls, rude behavior and stress was uncalled for. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have made numerous disputes to Experian about incorrect information on my credit report which has not been completely investigated. Or removed. 
Both XXXX and XXXX both processed the same complaints and removed the obviously incorrect information on my credit reports. 

Incorrect information still on the Experian Credit Report:1. XXXX XXXX account XXXX ... .listed is not my account. It was my husbands account he used for business and was written off when he filled for Bankruptcy for himself. 
I have requested where Experian confirmed this information and did not receive any responses. I believe that just have not taken any action other than sending back a Credit Report with no changes. 
This account is also listed as an individual account. Which it was my husbands. 
If I was on this as a joint account XXXX XXXX would have not written off the account since I did not file bankruptcy with my husband. 

2. Report listsSocial Security number variations : XXXX This is not my social security number. It is my husbands and should not be listed on my Credit Report. 

3. Incorrect address is listed on my report. I never lived there. It is incorrectly listed as a single family residence. It is a XXXX mailbox location. It was an address my husband used for his business. Not I was not on the account and never received mail at this location. 
XXXX XXXX XXXX # XXXX, CO XXXX identification number : XXXXType of Residence : Single family4. Incorrect address is listed on my report. I never lived there. It is incorrectly listed as a multi family residence. It is a XXXX mailbox location. It was an address my husband used for his business. Not I was not on the account and never received mail at this location. 
Address:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXXAddress identification number : XXXXType of Residence : Multifamily5. Experian Dispute processing is deliberately difficult. 
The Address and the Social Security number disputes were refused in an online submittal. I was told i could submit online documentation and that was also blocked. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had student loans since the age of XXXX on my credit report they been in forbence why does it show I 've missed every payment when I 've never received any bills due to not living where they sent them. And they were deferred and still are deferred. What should I do to get that off my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was not contacted by my orginal creditor, XXXX XXXX ; at this point it was sent to PROCOLLECT. I found out at the end of XXXX. I paid the debt IN FULL on XXXX XXXX, 2015. I was told I would recieve a paid in full letter and it would be removed from my credit report. This information was false, and cause me to be denied housing 

Company response: Company chooses not to provide a public response