AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: someone called looking for me and said they were leaving a private message.and I should call this number if it is in error. XXXX XXXX XXXX. The body of the message said " This is Financial Corp of America attempting to collect a debt. " I do n't owe anyone anything. The number then left was XXXX, which is the number recorded on my caller id with a name of " unavailable ''. Furthermore I have n't received anything in writing. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Trans union report the wrong information. I got a report today that has consolidated credit on it as collection agency/attorney. I did check with XXXX and XXXX an nether principle is registered as an attorney in either State, however Trans union allows the idiots to report on credit reports just because they want the money. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am refering to case number XXXX XXXX. The case was reviewed by the Mortage company and declined to offer a posible solution to avoid foreclosure. I disputed the response on XXXX/XXXX/15 with no other response. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently went to get an account open at a bank and i couldnt because something came up on the XXXX. I looked it over and i saw that a bank reported that account for fraudulent activity. At the time that wae goin on I called them immediately after I found out my card was no longer in my position. So they questioned me and they started the investigation. They said I would receive a mail which i did not. I just let it go buy. Now 2 years later I 'm stuck with it. What do should I do? 

Company response: Company chooses not to provide a public response
Consumer complaint: I am trying to pay one click cash their pays I agreed to pay monthly and I 'm having problems with them accepting it. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I called on XXXX/XXXX/15 at approximately XXXX and spoke with Branch Manager XXXX XXXX and explained to her my concerns about my account being debited 7 days after a purchase. I explained to her that I had been into my local branch BMO XXXX XXXX and my issues are still unresolved, she stated that she would look into this and call be right back she never returned my phone until after I called her back almost 24 hours later ( what about to Customer Service and Integrity ) After speaking with her on the next day I was informed that BMO Harris system indicated that my actual physical card was swiped 6 days later in which it was not and then removed from my bank account 1 day later. I then explained that I could produce a receipt stating that BMO Harris system is incorrect due to the fact the my receipt shows a date of Friday XXXX XXXX, 2015 not XXXX XXXX, 2015. She informed that its basically what BMO HARRIS system states and not my receipt. I asked for a corporate phone number and or address and she was unable to provide me with this information. She stated that she only had an internal number no contact number that could assist me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a CD at the Bank of America in XXXX XXXX, NV along with a savings and a checking account and a safe deposit box. The CD was due in XX/XX/XXXX but I needed the cash for personal reasons. On XX/XX/XXXX when I requested closing the CD, withdrawing the money ( paying the small penalty involved ), the woman bank official talked me into taking only what I actually needed and leave the remaining sum to maturity. She did not tell me I would have to pay a bank fee because the amount required to retain the accounts had dropped below their required minimum. I found out by going on line to view my accounts on XX/XX/XXXX the bank had deducted {$25.00} from my checking account. I went to the bank immediately, very upset they stole this money from me. The woman said those were the rules and no one at that branch could reverse the fee charge. I said they had every obligation to inform me of my options plus chances of fees being taken from my account when I requested to cancel the CD. So, instead of doing what I wanted to do which was withdraw the total amount, pay the necessary penalties and close the other accounts on XX/XX/XXXX, she convinced me to only take what I needed, kept me as a bank client and was able to charge me a {$25.00} fee with no notice this was going to happen to me. I feel this method she used is illegal and that {$25.00} was stolen from me. The bank has no right to take this money without informing me of my rights. I request Bank of America reimburse the {$25.00} to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo has apparently been charging us 4 times the escrow for an adjoining property for the last number of years. My wife was disconnected 4 times today the web site will not allow access. We can not get any traction with this lender for clarity or a resolution. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear CFPB Representative ; Is there anything we can do about bad service from a mortgage company? 
I am writing to complain of XXXX errors that have occurred in the servicing of our loan. 

The XXXX XXXX errors have been with the application of XXXX of my payments. Every payment that I mail includes a payment voucher clearly stating the normal mortgage payment plus any additional payment details. On XXXX different occasions over the last year, my payments were erroneously applied totally to principal rather than to principal and interest as required. Each time, I had to call customer service and point out the error and how the payment should be corrected. I was told by customer service, that if I wanted to avoid future errors, I should go online to input my payment amounts to their system. I think going on-line should not be necessary when I complete the company provided payment voucher and send with my check. In fact it feels I am doing a Roundpoint employee 's job. 

The last error was a Roundpoint over-payment from my escrow account for the dwelling insurance. The Insurance Company sent a bill to Roundpoint for {$730.00}. Roundpoint issued a check to XXXX XXXX for {$1700.00}. This error actually paid out more money than the escrow account contained! The estimated insurance amount was only {$930.00} dollars, but almost XXXX that amount was paid out with no alarms. I spoke with XXXX ( processor code XXXX ) in customer service and XXXX ( insurance department ) regarding this error. They were not able explain how this error could happen nor if there were any procedures in place to avoid these errors in the future. 

After depositing the refund check from the insurance company, I have mailed a check for {$1000.00} to fund the escrow account. The current Roundpoint statement ( copy attached ) still shows an escrow shortage as they had not received the {$1000.00} check at the time the statement was printed. I have no confidence that this error will be properly corrected by Roundpoint, nor do I have any confidence in any of their balance calculations. 

In addition, I am angry that Roundpoint customer service has been outsourced to the XXXX! It is always difficult to resolve an error but then to try to explain issues to someone who can hardly be understood because of such a strong accent is frustrating. I am horrified that my confidential information is in a location where the security is questionable and accessed by people who are not subject to the judicial system of the United States. 

I have been a homeowner since 1986 and never experienced such errors from a mortgage company. Is there anything I can do to insure that this does not continue? 

Company response: Company chooses not to provide a public response
Consumer complaint: My son has been constantly harassed by United Consumers , Inc. ( XXXX, VA XXXX ) even after I have sent them correspondence XXXX with proof that the bill for emergency medical services has already been paid. United Consumers is making threats about effecting his credit rating and other forms of intimidation.I would appreciate it if this matter could be looked into. I have attached a copy of the cashed check, which was sent directly to the hospital. ( And cashed by them, as well. ) 

Company response: Company chooses not to provide a public response
Consumer complaint: Company calls and threatens me with charges of bank fraud. refuses to verify debt, never says this is an attempt to collect a debt. Says i owe XXXX for payday loan. I contacted XXXX corporate office, they say i do not owe them and this company trying to collect is a scam. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: i look at my credit report and it shows a report on exprian that still on there system but all other credit bureaus is not there and removed it because it was paid and and updated from please please please have them remove this incorrect report wish i have documents that i payed 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX/XXXX/2015 I am due a refund of {$1000.00} from Wells Fargo Home Mortgage for a mortgage payment made in XXXX, 2015 but held in escrow ; it was never applied to principal and interest, or property tax, or property insurance, and should be refunded to me promptly. 
IMPORTANT NOTE : CONTRARY TO ANY OTHER CLAIM BY WELLS FARGO, I AM ALWAYS AVAILABLE AND EASY TO CONTACT. I RETURN PHONE CALLS PROMPTLY, AND I REQUEST NOTES BE WRITTEN IN MY WELLS FARGO FILE SO ANY REPRESENTATIVE CAN READ THEM TO ME IF THE ORIGINAL CALLER IS NOT AVAILABLE WHEN I CALL BACK. 
I sent a mortgage payment of {$1000.00} to Wells Fargo Home Mortgage on XXXX XXXX, 2015. The check was received but held in suspension. In XX/XX/XXXX, instead of being applied to principal and interest, this {$1000.00} was applied to an " advance escrow '' account. There was no reason for putting my mortgage payment into an escrow account. In all the time I had my loan, I never used an escrow account, because I always paid my property tax and property insurance directly. EVERY TIME I sent a payment, I provided information so Wells Fargo could verify that my insurance payments and property tax payments were made in full and on time. 

On XXXX XXXX, 2015, Wells Fargo sold my house at a foreclosure auction. ( See Wells Fargo 's response to my XXXX XXXX, 2015 complaint, Case # XXXX, for verification of XXXX XXXX sale date. ) At that time, as usual, all my property tax and insurance payments were up to date. 
-- & gt ; Any debt I owed to Wells Fargo was immediately cancelled on XXXX XXXX by the foreclosure sale. 
Wells Fargo informed me by letter and phone call from WFHM executive XXXX XXXX on XXXX XXXX, 2015, that they have decided not to reverse this foreclosure sale. 
A month has passed ( today is XXXX XXXX, 2015 ), quite long enough for final accounting, yet this {$1000.00} has not yet been refunded to me. It can not simply go missing ; it must be refunded promptly. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was forced under personal cirumstances to file chapter XXXX bankrupcy in XX/XX/XXXX. I continuedto live at my house awaiting a foreclosure notice, which has as of this day has not happened. 
I vacated the house in XX/XX/XXXX. I continue to receive complaints from the county about propertymaintenance. I have contacted the loan co., but all they want to talk about is me making an offeron the amount of loan. There were some irs liens on the property. I just wish to get the property out of my name. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A medical bill went to XXXX party bill collectors. I 've made payment arrangements to take care of the bill, making $ XXXX payments until debt is paid. I began payments XXXX XXXX. I have not missed a payment since XXXX. But I get phone calls from the XXXX party bill collectors several times a week to " remind me to pay ''. I 've asked them to stop calling, but they never stop. Every phone call they are very rude, and when I 'm rude back, they say I 'm being uncooperative. They 've received my payments every month without fail, but will not stop the harrassing calls. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX I changed insurance companies and notified Wells Fargo of the change. Since that date Wells Fargo has sent me letters requesting the new insurance. This documentation has been provided on a least XXXX separate occasions by my insurance agent. On Friday XXXX XXXX, my insurance agent was contacted by Wells Fargo and once again, the insurance was provided. On Monday XXXX XXXX I attempted to pay off the car loan and I was told that forced insurance had been placed on the vehicle. I now owed additional funds. Myself, my insurance agent and a WF agent had a XXXX way conference call and I was told that everything was taken care of. I was forced to pay an additional {$300.00} XXXX estimate ) in order to pay off my car loan. On XXXX XXXX, I was informed that my car loan was not paid off and that the process to get my title and the money I am owned could take several weeks. This is a deliberate and malicious attempt to keep money that does not belong to WF. In normal language, WF are stealing my money. WF will not release the title to my car, which means WF is denying me opportunity to sell my own property. The longer WF keeps my money, the longer they gain for having it and the longer I lose from not having it. WF keeps bouncing me from one department to another and no one seems to be in a position to offer help. One of the representatives I talked to admitted that this was a common problem. It is apparent that WF system is designed to make the customer jump through numerous hoops just to get their own money back. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received notice on my credit score service that my Home Depot Citibank card was past due on a {$17.00} balance which had ballooned to {$73.00} in fees. The late and past due bills damaged my credit score. I had never received late notices or billing information from Home Depot or Citibank. This was the XXXX occurrence of the companies required correspondence not reaching me via email, phone or postal mail. A previous similar issue was resolved in XXXX when I informed them that I was not receiving bills. Their representative agreed to waive any additional charges and confirmed my email and mailing addresses so future account correspondence could reach me in a timely manner. This did not happen and I was late and charged for a bill I was n't aware of. 

-XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX COURT XXXX FL. XXXX REFERENCE XXXX XXXX INFORMATION FOR LONG TIME I CALL THE COURT ABOUT A YEAR THEY THEY AGREED THAT IS NOT ME BUT NEVER CAME OF MY RECORDS 

Company response: Company chooses not to provide a public response
Consumer complaint: client came to office to see housing counselor - packet was submitted to Pacific Union and according to client, they initially confirmed verbally that her file was in review. however, client has not received anything in writing. Client did go to XXXX court hearing on XXXX/XXXX/2015 and the case was stricken from the case management call, the Court having determined that no further case management conference is necessary. Client believes that no one from lender or lender 's representative showed up to court that day. Since then, the lender/servicer continues to harass her with phone calls and written correspondence regarding amounts owed, and client states that she opens all her mail, so she is unaware of any written correspondence regarding her file submission. On XXXX/XXXX/15, client was serves again with another foreclosure filing - and has another court hearing on XXXX XXXX, 2015 - housing counselor scanned in all of her documents to her file, and will call lender for status at this point. XXXX informed client to go to court hearing - according to the new set of documents client brought into the office, the new petition states that her previous loss mitigation packet was closed due to insufficient income, and did not qualify - this will need to be confirmed with lender - Called Pacific Financial @ XXXX and spoke with XXXX. missing docs letter was not sent because the information that was sent in XXXX - and because the previous review for assistance was denied due to insufficient income, no change of circumstance had occurred - so therefore no missing docs letter was sent to client - according to XXXX, file was never submitted to review - because it was immediately determined that income information and household circumstances were same as previous submission - therefore file was closed. Lender/servicer did confirm that FHA is investor and she needs to consider transition option at this point - XXXX continued to meet with client at this point to discuss alternatives. XXXX now has a discussion with client - file a complaint with CFPB - show up to court on XXXX/XXXX/15, and request mediation - and understands that there is strong possibility that client will have to resubmit file once again since previous file was closed with no missing docs letter or acknowledgement letter provided to homeowner. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Submitted a complete package to BB & T asking for assistance with mortgage, in letter dated XXXX XXXX from BB & T and received on XXXX XXXX by mail, BB & T in effect asked us for updated financials and an additional piece of information - a letter of income contribution from wife of income shown in bank statements in package. 
Today, Friday XXXX XXXX we found out that on XXXX XXXX BB & T sent a motion to the court asking to schedule a foreclosure sale by looking at the court docket, we were not even noticed. We found out because someone came to the house telling us that they were made aware that we wanted to sell the house, we said no, who told you so. In following up on what this visitor said we looked at the court docket which showed that a motion was sent to the judge asking to schedule a sales date, we were not even noticed by BB & T. See a copy of the court docket showing a motion sent to the judge asking to schedule a sales date. 
This shows that there is no intent by BB & T for us to be fairly examined for alternatives to a foreclosure sale. Their sole intent is for us to be foreclosed on. 

Company response: Company chooses not to provide a public response
Consumer complaint: the company Westlake financial is not reporting my creditthey received information that was needed on a joint applicantXXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I took a XXXX loan from Cash Call. In taking the loan I was never disclosed the accurate interest rate. I was thrown a bunch of percentages that at the moment did n't seem to make sense. When I asked them to clarify, he told me that " interest was higher than most loans but was n't too bad. '' That what I would want to do would be to " pay the loan off as soon as possible ''. I thought to myself well DUH! and how bad could the interest be. I asked if they would send paper work after the loan funded so I had an accurate description of the interest. They said yes and happily took my banking information. I never received paperwork and I have come to find that I am paying roughly XXXX per month as my payment and {$0.00} cents of that are going to principle. This cant fit in a box called fair lending. This is financial prison! They wont work with their customers and the harassment is relentless. I took off the ability for them to have ACH access to my back account and the calls have been non stop. The calls start XXXX days before the due date. On the due date last month and I logged XXXX calls to my home and cell in a XXXX hour period and into the evening. By far the worst experience I have ever had. The company seems to take pride in how they take advantage of their customers. They use no moral compass in how they navigate business. Whatever law they are operating under should be very closely looked at by the proper authorities. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: the above case # is for Transunion. It seems I have to file a complaint for each credit reporting agency. 
I filed a chapter XXXX bankruptcy in XXXX 2013. My mortgage through XXXX XXXX was reaffirmed, as well as my home equity line through XXXX, and my furniture payment through XXXX XXXX XXXX. I have continued to make on time, full monthly payments to each of these companies and noticed that they have not been reporting to the credit agencies. I have provided the documents of the bankruptcy reaffirmation agreement, as well as the history of the payments made to these company 's over the last years to all XXXX credit bureaus and each XXXX of them come back with missing information on their investigation, some do n't even address the XXXX accounts I have listed in my dispute, others have other companies instead like XXXX. It is apparent that these companies do not doa thorough investigation of my dispute. They ca n't even get the account correct, let alone I don ; t believe anyone even bothered to look through the files I sent them of the proving documents to show they were supposed to be reaffirmed, as well as my payments being made that are not being reported. I 'm trying to rebuild my credit, and this is not fair that my payments are n't being reported, and no one is taking the time to do their job properly. 
PLEASE HELP! 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a mortgage customer of XXXX XXXX XXXX. They are advertising on their main website that you can check for credit card offers, get a decision in less than 60 seconds, and there will be NO effect on your credit report/score. I filled out the information, expecting XXXX to do a soft pull on my report, but they pulled a hard copy credit report. I have the page printed that I am referring to, and also spoke online with one of their reps tonight. He said he would refer it to their main office. I have a copy of the main page as well as the online conversation I had with the rep. Unfortunately I ca n't get it to scan where you read it clearly. 

Company response: Company chooses not to provide a public response