AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: wells Fargo has denied my application for a cheaper payment, citing my cosigners income as the reason. My cosigner is actually in dire straits himself and is in the process of filing chapter XXXX. I ca n't keep making the payments they want ( 35 % of monthly income ), I do n't have the money to pay what 's past due, I ca n't adjust the payment amount and I ca n't ask my cosigne for money. I have no options and it terrifies me 

Company response: Company chooses not to provide a public response
Consumer complaint: No heath care bill is owed to anyone, this is false and no verification was ever provided 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Unknown and not my debt. There is no way this social matches mine or date of birth please remove off of my credit file as a dispute was processed to the credit agencies and the credit agencies stated they verified which I do not believe is accurate. 

Company response: Company chooses not to provide a public response
Consumer complaint: We refinanced our home almost 2 years ago. At the time, I asked the BOA representative how would we be able to remove the PMI from our loan. I was told once the LTV ratio was below 80 %, I would be able to contact BOA and have them remove the PMI from the mortgage. We recently reached the 80 % LTV ratio so I contacted BOA to have them remove the PMI. I received a letter from them stating in order to do that I would either have pay a {$440.00} appraisal fee to have it removed immediately or wait and pay 3 more years of PMI to have it removed without an appraisal. I believe this is unfair because at no point in my conversation with the BOA representative did he mention the loan had to be a certain age or we would have we would have to pay an appraisal fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX claimed I had not cancelled service and attempted to collect several months of service. Finally the company representative, after admitting they saw no activity on the account during the period in question, requested XXXX fax a copy of the XXXX contract to satisfy our claim. The copy of the XXXX contract was faxed and the information over and the item was removed from my credit report. It has now been placed back on my credit report by Enhanced Recovery Company. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My home loan was modified back in XXXX 2014 under the Making Home Affordable Plan. My lender, Wells Fargo, is now denying assistance due to the already obtained modification assistance last year. I suffered from an income reduction and increased monthly expenses due to the co-mortgagor leaving the household thus reducing my household income by 50 %. I am now 5 months behind and they refused to review my request for assistance through other programs available for help. Please help me save my home!! 

Company response: Company chooses not to provide a public response
Consumer complaint: FOCUS HAS VIOLATED THE T.C.P.A. CALL MY NUMBERS AT ( XXXX ) XXXX IN VIOLATION OF FDCPA! HAVE PHONE RECORDS ... 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Late XXXX or early XXXX I opened an Experian account to monitor or credit score as we were preparing to buy a home. Once we purchased our home in XXXX XXXX shortly after we canceled all credit monitoring accounts, end of XXXX XXXX at the latest. Unbeknownst to me, each month for the past XXXX months Experian has been charging my checking account {$17.00} a month. As a small number the activity went unnoticed. 

XXXX/XXXX/XXXX I called Experian to discuss the situation to which they now finally cancelled the account and stated that they never received such information to cancel the account. I asked the rep/supervisor to review the activity to verify when the last time the account was accessed, to which he stated XXXX. And as I asked him, why would I pay for a service and not use it over the past XXXX years? Because the assumption was made that the account was canceled. 

For what it 's worth, I remember vividly canceling said account - the amount hurdles one must cross to pinpoint the process to cancel account is ridiculous. Even at present day, there are no clear indicators on how to cancel your account without doing site search. 

The resolution of the call with the Experian supervisor was a canceling of the account and 1-month reimbursement. While recouping last 's month charge is nice, but it 's certainly laughable in the grand scheme of things when you 're looking roughly {$450.00} worth of total charges. 

To sum up my XXXX issues with Experian:1 ) Them dismissing my cancellation2 ) Inability for consumers to easily pinpoint how to cancel an account. all over the site XXXX can sign-up but canceling is much more complex. It 'd be nice if a policy was sort-of set like email subscriptions, publishers must provide an easy to access un-subscribe function 

Company response: Company chooses not to provide a public response
Consumer complaint: Trans Union is not responding to my requests to investigate, verify and correct accounts in my credit report that are reporting incorrectly. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was denied credit and I pulled my credit reports to find that I had 3 accounts in collections that appeared to be identity theft. I filed an identity theft claim and immediately began contacting the 3 collection agencies. The first two did not give me any run around regarding the affidavits however, Enhanced Recovery ( ERC XXXX first told me my wife that they would be deleting the account but on the XXXX of XXXX, my wife contacted them to get their affidavit sent again. She spoke with XXXX XXXX and he said the account would not be deleted and that she would have to file the affidavit. It is now the XXXX of XXXX and still no affidavit. My financial counselor called ERCand spoke with XXXX XXXX and he refused to send the affidavit out via email or fax. He said he would resend the affidavit via mail. 

I am trying to purchase a home and this incorrect collection account is standing in the way. 

The ERC account number is XXXX. The original lender is XXXX XXXX number of XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XX/XX/XXXX, my spouse purchased some jewelry on the XXXX website. In our online account information, we have her card, my card, and a joint card listed. She mistakenly placed the order with my card. XXXX months later she made another purchase, this time with her card. When it came time to pay the monthly bill in XX/XX/XXXX, we discovered that my card was nearly XXXX months overdue due to the fact that my spouse had used it by mistake. I had n't checked my account because I had not used it. We were charged {$100.00} in late fees and then my credit report was hit with a delinquency notice. At no time, did Macy 's ever send a written notification of the missed payment. They state that because I was paperless it is my responsibility to check online. However, since I never made purchase ( at least not one that I was of ), I did n't check. I believe creditors are required to notify in written form of a delinquency prior to sending you to collections or issuing a delinquency notice. In any case, once the discrepancy was discovered, the account was paid off. I feel that punishing me with a delinquency that will stay on my file for up to 7 years is unjust, particularly when I paid almost twice for the value of the original charge ( approximately {$140.00}. ) This behavior is very abusive and unfair. Macy 's has discretion and to punish a customer/consumer in this way is not only excessive, but vindictive. The account was paid and so was a substantial fine, relative to value of the original purchase. Furthermore, Macy 's made not attempt to alert me to the missed payments. They simply avoid doing this in order rake excessive fees. Then they add further injury by harming my credit history and raising my cost of borrowing. There has been no other time in my history with Macy 's that I have been delinquent, and I have had this particular account, since I was XXXX years of age ( XXXX years ). This type of behavior should be allowed to occur in our economy. Fortune XXXX companies are given far more leeway and protection than individual consumers. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got suckered in to a time share contract. After several years of having problems with them I gathered up some research and sent them a demand letter to void my contracts, return my money or face a law suit. In fairness I also quit paying they outrageous monthly fee. I have been in contact with them. They quit calling me but are still billing me. They have since put late payment notices on my credit reports. I would like to get these removed or at least be able to add my explanation of what they are. I see them as an XXXX attempt to get me to stop my demand and avoid a law suit. 

Company response: Company chooses not to provide a public response
Consumer complaint: A man first called my employer 's office, purporting to be from a law firm, Harbor Firm Acquisitions. The office manager refused to allow him to speak to me, told him I was not allowed to receive personal calls at work, and then hung up on him. The man then proceeded to call back XXXX times, and to be so harassing, the office manager had to instruct all other personnel in the office not to answer the telephone until he finally ceased calling. 

A week later, a woman from Harbor Firm Acquisitions called my personal cellphone from a telephone line that spoofed the telephone number of the local county courthouse, and left a message on my cellphone stating that she was trying to arrange delivery of legal documents in reference to a debt. Rather than giving me a local telephone number to call for information, she then gave me the number of the lawyer 's office - Harbor Firm Acquisitions. I called the court house, rather than the lawyer 's office, and was told that no such person existed at that number, and that no documents were waiting for delivery to me. I have since received no physical paperwork from their office. 

This week, the man from Harbor Firm Acquisitions is again calling my cellphone and my work number. He has refused to give me any number other than an XXXX number ( so I can mail or fax a request to cease all communications, except in writing ). I ca n't get a written verification of the debt, to see whether this is something I owe, or is instead part of a debt collection scam. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have asked Cash Call on several occasions now to refrain from contacting me at work. They called again today, and this is not acceptable. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Went to see my doctor and asked for certain type of XXXX for a procedure that it should of been covered by my medical plan. a month later I get a bill in the mail from the doctors office and the XXXX company. after several attempts with the doctors office they realized that it was a first time visit and it should be cover with my insurance plan also the XXXX should of been covered by my plan. they corrected the office visit bill but never corrected with the XXXX. 
I should not be paying for the XXXX bill since I did not requested those additional XXXX. 
my visit and XXXX should be paid by the insurance company in full. the extra XXXX was irrelevant to my procedure. there was no need to have added tests to the XXXX it was required. 
I called the insurance company and put the dr office in a conference call, they were going to call the XXXX to correct the bill and they did not. 

I have an outstanding credit history. I pay my bills on time. However if the bill does not belong to me to pay I will not pay it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A new inquery came up on my report that does not belong to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: ordered a dress on the internet and paid extra for specific measurements. Dress came XXXX inches longer than the measurements. Their web site stated that if measurements were off by more than an inch they would pay 100 % for me to have it altered. They refused to do this. Filed a dispute with my credit card company and they ruled against me because they said I did not have the tailor provide detail information on the alterations. The letter the credit card company sent me never asked me to provide this and now they said it is too late to do anything on this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took a renewal loan with a finance company, after enountering a change in employment and other personal difficulties it had been difficult to pay. This company has been embarassing me over the last XXXX months my situation by going to the homes of the references I listed, one who is my ex-husband who humiliated me because these people went looking for me at his home. They visited my new place of employment and quite frankly at this point I feel very stressed out with this entire situation. This company has exceeded the word humiliate and slander. They have released account information to my realtives and references and I have no where else to turn. I do not want to keep having anxiety or contintue getting embarassing mesages from my peers or employer because of this. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i was contacted by someome from genine debt solutions station in XXXX. i am all the way in XXXX and i have no businesss with these people. the phone # that called me is XXXX XXXX XXXX and i had been called XXXX after i told ther person on the line that i was not the person she was looking for 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: On XXXX XXXX, 2015, my commercial bank XXXX confirmed electronic payment to my Barclaycard MasterCard in the sum of {$10000.00}. It was, however, made to my former Barclaycard account. I spoke with Barclaycard ( some XXXX call center ) who claimed to have opened a " case '' on the matter but have not heard anything despite the fact that my XXXX banker also confirmed the payment with Barclaycard directly. Essentially, we have a missing {$10000.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: My Home Depot/Citibank credit card recently warned me of " Interest on Promotional Purchases will be due shortly ''. However I never knowingly made any " deferred interest '' purchases and was NOT made aware of these purchases until now. I tried to resolve this with Citibank though they refused to acknowledge this deception. Please advise. Thanks! 

Company response: Company chooses not to provide a public response
Consumer complaint: Tried to get a modificationdid not know I had to always use a housing agency to assist with paper work requested by US BankLoan Officer for US Bank called XXXX a week requesting documentation and asked me sereval times is home occupied so that US Bank could put house up for sheriff Sale. 
After contacting CFPB US Bank postponed XXXX date XX/XX/XXXX/2015rescheduled for XX/XX/XXXX2015I requested a appeal for XX/XX/XXXX complaint XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: This company failed to respond to my request to validate this debt. They have reported this account to all XXXX credit bureaus. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: paid tax on time, Bank of America repaid the tax with a late fee to XXXX. The bank opened escrow and funded it from the mortgage payments. I did not have escrow. I pay tax and insurance my self, I am calling the bank since XXXX to resolve this problem, as of XXXX The said problem is not solved. All XXXX credit bureaus are showing I am XXXX days late it also shows the increased payment of {$860.00} not {$510.00}. To add insult to injury the bank told me I must write and request they remove the mistake from my account. I wrote the letter to an address I was given since the end of XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted XXXX XXXX president with XXXX after I spoke with a Consumer Financial Protection Bureau rep XXXX who gave me their number. I explained that I would have them investigated for compliance violation because I did not process an application online or give written signature permission authorize a to pull my credit reports. XXXX XXXX got my information from his wife XXXX that I was on Social Security and I told them that I was in XXXX and was not willing to do any business unless I meet with his VP in personally XXXX XXXX to discuss if the company uses it as a source of income. XXXX XXXX was also cc 'd that if the inquiries were illegal and impermissible and if not removed I would contact the XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have complained about this company XXXX through the CFPB and wrote both times that they were to stop calling any number they have for me. The XXXX complaint got no response and the XXXX XXXX I was un able to access the respone on the website. The CFPB said that the company recieved both comnplaints so I know they have seen the do not call me anymore message. Also I have disputed the known debts from this company and that should also be on record with the CFPB 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am a Vet who receives XXXX XXXX XXXX. The VA pays 100 % of my treatment to hospital 's, I have XXXX services provided when I am in need of. The hospitals agree to except payment in full from the VA when payments are submitted. Outside collection agency, Enhance Recovery Company, LLC phone # XXXX XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I contacted this company requesting them to validate their claim. They have not responded or provided any validation and they have reported to all XXXX credit bureaus 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: For the past several months, Bank of America Credit Card Services has been miscalculating finance charges and misapplying payments between XXXX different categories of regular purchases, cash advances and balance transfers. The allocations are not in accordance with federal guidelines. I contacted Bank of America on multiple occasions and each time received a different explanation as to how they achieved these magical calculations. I had the issue escalated to a special team of managers who finally admitted there was an error with how their system is calculating finance charges but they also explained that I was the only consumer that had brought this to their attention. They asked for one weeks time to look into the issue as they were going to have to escalate the problem even further internally. My ultimate concern is that this issue is on a grand scale and that XXXX of other consumers are being affected. I plan to initiate a class action investigation into the issue but wanted to file any formal complaints necessary immediately. I am not implying nor do I have any evidence suggesting that Bank of America has acted maliciously, however it is deeply concerning that it was so difficult to get anyone within customer service to recognize or admit there was in fact an issue. I had to literally teach them why their multiple explanations were incorrect and I do n't believe the average consumer would be as persistent. The representatives all seemed confident in their inconsistent explanations regarding the calculations so this could certainly be a training issue on top of the finance charge calculation error. When the latest manager realized I was correct in MY calculations, she seemed shocked herself. 

Company response: Company chooses not to provide a public response
Consumer complaint: The Honorable FDIC Complaints Request Response to XXXX SENATORS REQUESTS : i filed charging highest-complaints against Bank of America in breaking record requests notification to XXXX Senators and XXXX XXXX at formal requests : I am not happy with Bank of America refused serve to a XXXX individual who applied credit card made declined and they made denial credit card because of overdraft and worst horror credit records discrimination addresses as they insulted me in XXXX call out addresses report to XXXX Senators and XXXX XXXX knowledge what wrong with Bank of America. Bank of America made hatred against XXXX individual that horror discrimination harmful credit card records. I am not happy with Bank of America 's credit card as insulted me dumbest individual as they laughed at me in poorest XXXX account! Bank of America refused removed bad credit records and bad overdraft records that they criticized against my checking account notification to XXXX SENATORS and XXXX XXXX and XXXX XXXX XXXX charging enforcement requests. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America has re acquired our mortgage from XXXX ... in this process they have charged a fee to us, and show it as late, even though the transfer took place in XXXX 2015 ... the fee, XXXX they say is related to the expenseof acquiring our mortgage ... 

Company response: Company chooses not to provide a public response
Consumer complaint: Every day I receive harassing phone calls from Bank of America, Collections Dept. regarding when I will send in my mortgage payment. According to my mortgage agreement my payment is due the first of each month and late after XX/XX/XXXX. I make the payment between the XXXX - XXXX of each month. I want all harassing calls from BoA to stop now! 

Company response: Company chooses not to provide a public response