AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I attended XXXX XXXX School in 2005. I was supposed to be released of all financial obligations, but this small amount has remained for years. I do not believe it is federal. They would bother me while I was at school elsewhere, and I would just defer. Recently, I just exited bankruptcy, and all creditors were notified of this and my new address ( and the stay ). Yet somehow they did not change the address and I received no notices of delinquency, no emails, and no phone calls about payment. Now, allegedly they have sent this thing to collections, but the collections agency has no record of this existing. So I am stuck in limbo here. I do n't want this to ruin my credit -- I do n't even owe this amount, and on top of it the alleged collection agency has no record of this. 

They have not given me proper notice or an opportunity to request a deferral or forbearance. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I wanted to know when PMI is removed from my loan. I checked consumer finance & read that PMI should be dropped once my loan had reached 78 % of what the value of home was @ time of purchase. I called BOA & received a denial letter stating that their requirement is 75 % of the loan amount rather than the value of home.My home was valued {$20000.00} more than we bought home. Then they told me that I could have my home reappraised to prove it did n't lose value. When I called on XXXX different occasions, I kept asking why they do it based on loan amount rather than value & what good does an appraisal do if it 's based on loan amount? XXXX Rep told me the appraisal would n't really help my situation. So my next question was, why was a {$600.00} appraisal even suggested- it would have been an expensive waste of time. XXXX Reps agreed with me, but never answered XXXX. Why is it based on loan amount & not value and why XXXX instead of XXXX. XXXX. Why was the appraisal suggested if it was n't going to benefit my situation. I 'm very frustrated that they have different rules and extremely upset that they suggested a costly and non beneficial appraisal. 

Company response: Company chooses not to provide a public response
Consumer complaint: My bank account was garnished on XX/XX/2015. I was never served for a summons or complaint of the debt. I looked up on XXXX and discovered that they state that I was served. I spoke to a representative named XXXX at XXXX XXXX XXXX XXXX and offered to settle the account for {$1200.00} even though I dispute the account. I notified them of the improper service and they could n't do anything to help find a reasonable resolution to my complaint of improper service and my dispute with the fees and interest. They gave me a counter offer of XXXX on a balance that they state I owe of {$6400.00}. I am unable to do that amount. My financial situation will not allow for it. I am a single parent of XXXX children. And I am barely living paycheck to paycheck. I have also notified them to not contact me by telephone and to cease and desist calling me. At this time since they have not investigated the improper service they are causing me undue hardship by garnishing my bank account and refusing to come to a reasonable resolution. I am in fear that they will garnish my paycheck next. And because of my low income I will have another hardship if I have to hire an attorney to file motions to quash the judgement for improper service or risk representing myself. I believe it is unfair and deceptive for them to use improper service to obtain default judgements and I would like your help to resolve the issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: We requested to our mortgage company to remove the PMI. They stated that a letter would be sent once the request was processed. Two weeks later, we followed up and were told the same thing. Another few weeks pass, and after another follow up, we are told letter will be sent. Finally, after 4 weeks a letter arrives stating that our request was denied due to XXXX late payment, and a new request can be made after 1 year. 
So, one year later and no late payments we make a new request to remove the PMI. After 1.5 weeks, we receive a letter denying our request, and no specific reason is stated. Rather a supplemental document is attached outlining the investors guidelines. 
This mortgage company is basing the current LTV on an appraisal done 2+ years ago. They are not allowing us to reappraise the home so that the current LTV can be generated and considered. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Heating service claimed they checked my furnace and that the heat exchanger was cracked. They tried to sell me a new furnace. My wife says the worker did not even open his tools and certainly was not there long enough to have checked the heat exchanger. 
When I re-checked the furnace, It took 5 minutes to find the exhaust outlet clogged with coke from the exhaust pipe.I discussed this with the heating company and got no satisfaction. The credit collector got the same explanation and very clear pictures. they never replied to my picture evidence. But filed this none payment. This is abuse. 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX, and I put in an offer on XXXX XXXX XXXX XXXX, XXXX, VA XXXX on Tuesday, XXXX XXXX, 2015. I sent my documents to my realtor at XXXX who in return sent the offer to the sellers agent. The property is a short sale, it 's been on the market for approximately 410 days. I received a call back a few hours later on the same day stating the bank had declined my offer. It 's ironic how it took the bank 4+ months to decline an offer of {$190000.00}, however, it took the bank less than 4 hours to receive and decline my offer of {$200000.00}. Therefore, I want to verify that Bank of America reviewed my offer and took the correct steps of declining the offer. I did n't receive any type of written decline. Therefore, I 'm hoping the compliance department can perform their due diligence and provide me with some guidance on the process of declining in less than 4 hours. Most financial institutions leave paperwork on their desk for more than 4 hours before getting an opportunity to review it. My phone number is XXXX. Also, the offer was accepted by the seller. 

Company response: Company chooses not to provide a public response
Consumer complaint: Greentree increased my electronic payment by {$54.00}. When contacted, Greentree explained the increase was due to an appliance warranty purchased from XXXX. I was told to contact XXXX for refund. I contacted XXXX and they explained I had purchased this warranty and should use it. I demanded proof that I purchased the warranty and they have not presented it for several months and XXXX calls now. I never purchased a warranty and Greentree has denied my request for a refund and payment history allocation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am re-financing a home equity line of credit borrowed from SunTrust Mortgage. I am filing this complaint with respect to triple charging an inappropriate " fax fee. '' SunTrust has XXXX charged me a {$20.00} " fax fee '' on my account in connection with my refinance ( see attached " SunTrust Online Banking Detail '' ). I have never requested any fax nor am I aware of any contractual agreement I made to pay a fee for faxing. In addition, SunTrust does not customarily have a charge for faxing, does not publish such a charge ( see attached " SunTrust fee schedule '' ), or charges between $ XXXX, not {$20.00}, for " expediting. '' I did not request expediting. I am only aware of XXXX fax being sent by SunTrust ( see attached " Suntrust payoff '' ), but SunTrust has charged me twice on the account for faxing. Furthermore, the SunTrust payoff numbers include a third {$20.00} fax fee. Thus, SunTrust has charged me {$60.00} in fax fees -- none of which I requested or agreed to pay. The cost of faxing a document is less than {$1.00}. {$20.00} for a fax fee, if I had agreed to pay XXXX, is patently unreasonable and excessive. Finally, the SunTrust payoff includes a {$20.00} fee for " Misc, '' a {$10.00} " Release Fee, '' and {$200.00} in closing costs. I have agreed to none of these charges. " Misc '' is not an appropriate description of a fee. SunTrust 's own documentation ( attached " SunTrust fee schedule '' ) states they charge XXXX for release. I have not agreed to pay any closing costs associated with this loan. In short, SunTrust has added {$290.00} to the payoff for my home equity line with no basis. Several charges appear to be blatantly fraudulent. 

Company response: Company chooses not to provide a public response
Consumer complaint: Select Portfolio Servicing : Fraudulent loan modification application from Mortgage Servicer. Loss of documentation. Incomplete response to QWR. Dual Tracking during loss mitigation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: the credit cards companies : XXXX XXXX XXXX and XXXX XXXX not provided to Trans Union credit bureau updated information and Trans Union credit bureau refused to request on their own same data from my both credit cards accounts which I paid off completely a few months ago, so it is badly hurt my credit scoreI got XXXX on XXXX and only XXXX on Trans Unionsame thing my husband has and it looks like the credit bureau not fulfill its obligation to collect and to provide all accurate and up to date information 

Company response: Company chooses not to provide a public response
Consumer complaint: re : my loan XXXX I was denied a modification ; however I explained that the income they used was incorrect and I sent proof of correct income. Wells fargo said it did not change the decision even though the income was over {$2000.00} more than they used to calculate NPV. I was never given updated information or numbers on why appeal was denied. I have left 3 messages and made over 6 phone calls all of which they have not replied to. I feel I should be reevaluated for a modification using correct information. 

Company response: Company chooses not to provide a public response
Consumer complaint: Middlegate Funding is such a rip off and I would n't suggest anyone go through them because of the pain, harassing you and your broker and saying that I am a thief for borrowing money. They are not registered with XXXX and am going to take action with the FTC. They act all nice and sincere when you first call them, then the moment they wire you the money for a transaction they start changing there ways and treat you like XXXX. Middlegate Funding owners are XXXX XXXX and a person named XXXX, they act like they have XXXX people working for them but in all honesty it 's just them XXXX. They will have you convinced of an interest rate and then all of a sudden after receiving the money they will charge you more interest then indicated. Remember people are borrowing money for a reason, because of numerous financial reasons, so they know you do n't have the power to go after them. If you start negotiating a settlement they will say yes but then say now you owe me more for all other fees they make up. Bunch of scam artists and they claim they work with numerous real estate companies but in reality they have no one! We would love to have more complaints to file a class action lawsuit against them and get other stories from those that borrowed money from them at one pint or another or been through other horrible situations with Middlegate Funding. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: From my citibank credit card account, I received an email telling me how many points my account had. Because I am not interested in this type of information, I clicked the email link provided to, " ... not receive future email updates from ThankYou Rewards, please CLICK HERE. " However, when the window to confirm my choice was displayed, if I chose not to receive emails about my TXXXX Rewards, I would also lose notifications about, " ... changes in my contact information. '' 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been dealing with Experian on numerous false items on my credit report and they are refusing to complete the investigation according to the information I have given them. Each time I give them the information they ask for, I get a form letter saying " Frivolous dispute '' we will not complete, which is false. I have numerous items from XXXX on my report that are XXXX reporting as late accounts, which is false, and as public judgement s, which is also false. I contacted the Court and they told me these records are not being validated properly yet each time I get a letter from Experian, they say the investigation has resulted in the items being mine. Case in point is the name of the co-signer listed on these records. The person does not exist and the social security number does not match the name of the person listed, therefore making these records ALL false and they all should be deleted. Yet, each time I bring this to the attention of Experian, I get a form letter saying they are under NO obligation to investigate because they already did an investigation. This is complete nonsense, as they are clearly using a computer driven data drive to match only my name and information listed with a record of another person and they never investigate the co-signer information, as I told them it would clearly show these are false. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company is trying to ruin my life. They call and threaten me all day, and for the past month, have been calling ALL of my family members up the entire XXXX XXXX. They will NOT validate debt ( If there is even a debt ), so I have no idea what they want. The harassment is getting so bad that I am seeking legal counsel next week. I just want them to stop calling my family and validate whatever debt they think I owe them. I did a complete debt consolidation two months ago so I have no idea what they want. They use threats and unethical practices and I have no idea how they are still in business. I am horrified by this company and what they do to people. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I checked my credit and found out there is a medical bill from XXXX Hospital in the amount of {$2200.00} that is not mine and I wanted removed from my credit. XXXX Hospital is the state of Maine I live in California never traveled to Maine. 

Company response: Company chooses not to provide a public response
Consumer complaint: 1 ) XXXX XXXX Tax billed and BofA paid XXXX the amount of taxes paid per month during the life of this 9 year loan. 
2 ) BofA billed me for the additional amount. When I learned of the error, I contacted XXXX XXXX Tax who refunded ~ {$600.00} of the XXXX billed and paid by BofA . 
3 ) I notified BofA they would receive the refund, which was paid back to their billing are, XXXX who cashed the refund check XXXX XXXX and finally appeared in my mortgage statement during the XXXX week of XXXX. 
4 ) BofA began moving portions/all of my monthly payments to my escrow account. I do n't know when this began because BofA Online blocked my access to my mortgage information. 
5 ) So even though BofA has recouped my property tax payment, and even though I have never been late in making my mortgage payments, including for the current month of XXXX, BofA continues to write billing letters, generate automated billing phone calls, and have had XXXX or more call me demanding payment. 
6 ) I have belatedly learned that although not done during the past nine years, it is the practice of XXXX XXXX Tax to verify my 50 % reduction in property taxes every four years based on current income. I have asked them to notify me rather than Bank of America to preclude a similar event XXXX years hence. I have enjoyed an excellent credit rating for many years, and again, have neither missed nor been late in making a mortgage payment, so being treated as a deadbeat is something I find incredible and not at all pleasing. Any third party will quickly see the diabolical mess BofA has made of my payment history and how I have without fail made my payments on the fourth Wednesday of each month and received by Bank of America the following day via electronic transfer. The various contacts made by Bank of America began the latter part of XXXX and have continued through XXXX and into XXXX, 2015, with no relief in sight. 
Note : Contacts by Bank of America have come form numerous sources and geographical locations, including XXXX, TX, XXXX XXXX, CA, XXXX XXXX, CA, etc. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 I notice XXXX separate charges of {$300.00} from XXXX XXXX assessed to my Bank of America credit card. The next day I called XXXX in XXXX FL. to ask why these charges appeared on my statement, according to the representive these charges were an assessment for not attending a seminar regarding a time share during my stay at the resort. I followed up the conversation with telling the rep. at no time was I ever notified about a seminar and I do not have a contract with the resort. Per my request, I ask to see something in writing or verbally were I was made aware. According to the rep. they have a coversation on tape proving my knowledge of a seminar, when the tape was played at no time was there a mention of a seminar. XXXX has yet to provide any more information justifing the charges. I then proceed to contact Bank of America on XXXX/XXXX/2015 to dipute these charges. On XXXX/XXXX/2015 I recevied a letter from Bank of America notifing me that they would begin researching the dispute and would have a respond in 30 days.On XXXX/XXXX/2015 I receive a letter from Bank of America stating " they have completed the investigation and were unable to determine that a billing error occured. Since then I have made numerous calls to BOA questioning how could these charges be made to my credit card, and their reply was they can not intervene in situations involving a merchant 's contact. I futher escalated my complaint and on XXXX/XXXX/2015 sent a letter to the XXXX, their respond seem to coincide with BOA and suggest I contact CFPB for further assistance if I am not satisfied with the resolution. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I opened an account with SunTrust and three days later could not get access to the account. We called SunTrust and they told us that they could not tell us why our account closed and that we needed to call the fraud department. The fraud department looked XXXX of us up and told us that nothing was flagged on our account and that they saw not reason as to why our account got closed. Next, we went into an actual brand and again were told that they could not tell us exactly why our account got closed and when we would get our money back. Every time we talk to someone they tell us that they ca n't give us a time when we will get *ALL* of our money back. This is ridiculous and no one will help us. 

Company response: Company chooses not to provide a public response
Consumer complaint: Western Sky Financial originated a loan for me for {$2600.00} at a rediculous 119 percent interest rate. After I regrettably and stupidly accepted it I received notice from XXXX that they had purchased the loan from XXXX XXXX and they would now be servicing the loan. They had to have my bank information to acquire payment. I agreed and shortly after that received yet another notice from Delbert Services explaining that they were now servicing my loan. After researching the situation I found that all three of these companies were in court in multiple states and were illegally providing loans. I informed Delbert Services that I had paid back the full amount I hsd borrowed as well as about {$1200.00} in interest. In light of these findings I was considering the account paid in full and they were to cease and desist immediately. Instead, they harassed with letters and phone calls for months. Finally, the harassing ended, or so I thought. After a few month hiatus I receive a call from Delbert Services stating that I owe {$2500.00} but I can settle with a one time {$1600.00} payment. 
I have since closed the account that they had the information to and have discovered that they have negatively reported to the credit bureaus. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had XXXX traffic tickets when I happened to live into XXXX prior to moving to XXXX and I agreed to pay on a monthly basis payment. As a matter of fact, for some reason I have failed to pay a few months once I moved to XXXX; therefore, according to the XXXX Clerk office and Peen Credit I have been charged of some interest for skipping those unpaid months which made my payment debts piled up to $XXXX which was paid off by check in full through my Bank that is XXXX. Today the Penn Credit that is the debt collector office hired by the XXXX Clerk office denied completely this payment made by my Bank which the entity's representative had provided authentic documents to the Penn Credit Supervisor known under the name of XXXX as a result of conversation over the phone on XX/XX/XXXX at XXXX which was a conference call that involved myself XXXX, the XXXX representative and XXXX the Penn Credit's Supervisor. I'd enclose some relevant documents such as proof of payment, acknowledgement letter of the related debt and ID # of the Penn Credit profile account.


Subject: Acknowledgement of debt


XX/XX/2015

Room: XXXX

CaseXXXX

XXXX
XXXX

Subject - Traffic Ticket Receipts

Dear Clerk Representative,
Per a late conversation with one of your Clerk Office Representatives who stated based upon the XXXX Clerk records revealed that I have XXXX unpaid fines according to my court records. As a matter of fact, I totally acknowledge that I was cited for XXXX. However, I have to claim the paid traffic ticket which was made in the amount of $XXXX by myself to the XXXX Clerk Comptroller Office located to the address above. In addition, I have enclosed the receipts that I have had from the related bank for the XXXX traffic ticket which was evaluated in the amount of XXXX which was agreed under the defendant's consent to make a monthly payment of $XXXX. 
I would love to be reached by the Clerk Office in order to pay off any due payments and having some clarification regarding the XXXX fine that was paid.    
 
Sincerely,

XXXX
P	 XXXX
E-mail. : XXXX


(Penn Credit) ID number: XXXX
Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was offered back in XXXX a 4.0 % rate refinace by Bank of America, I got the paperwork to signed and the rate was fine at 4.0 % ; after a few weeks they raise the rate to XXXX without telling me. I called them and they said they had made a mistake and now rate had change to XXXX and there was nothing they can do, and that if wanted the loan it was going to be XXXX. I do not think that is correctm 

Company response: Company chooses not to provide a public response
Consumer complaint: I have requested Renton Collection XXXX to provide me with written statement of my debts via mail or email, they have refused to email it to me. 

Company response: Company believes it acted appropriately as authorized by contract or law