AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX placed my account with collection agency, XXXX XXXX XXXX, P O Box XXXX, XXXX, Fl XXXX, for breaking a 24 month contract which I never had. Going into the contract with XXXX I was told that it was for twelve months, which was honoredXXXX at no time told about this ridiculous 24 month contract which I would never have gone into if that was disclosed. I returned the equipment to XXXX as they requested. The amount reported to the Credit Agency is {$580.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/XXXX, I made a payment to Wells Fargo Home Mortgage for {$3000.00} to cover XXXX payments and XXXX late fees. Wells Fargo Home Mortgage has not given me the credit for paying the late fees. I have contacted Wells Fargo Home Mortgage XXXX and each time I am told they will credit the XXXX late fees as paid but it never happens. I would also like to have a typed separate break down of how much was credited to the principle for this loan for XXXX XXXX and XXXX. I am not requesting a payment history from Wells Fargo Home Mortgage because it is a lot of job control information for employees of Wells Fargo and is hard to determine the exact amount.I am requesting for Wells Fargo Home Mortgage to review my payment history and just only give me a direct typed response of how much principle I paid on this loan in the year of XXXX, XXXX and XXXX and the interest rate. Please also for each of these years list each years typed total principle separate for my review. Please also send me a copy of all escrow disclosures for this loan. 

Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: Someone has used my social security number to make XXXX attempts to apply for a credit card using my former maiden name. Fortunately this person has never succeeded, but I am left with XXXX hard credit inquires on my credit report with TransUnion. I placed a XXXX day fraud alert on my credit report. This person has made XXXX attempts to this creditor : XXXX, FL XXXX ( XXXX ) XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am submitting a formal complaint about Experian 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been attempting to apply to get my mortgage loan modified for over a year. Every time they want more and more paperwork and allow existing paperwork to expire. I do not feel that they are attempting to work with me to keep my house. I have become XXXX and I am trying to get my loan to a payment I can afford but it feels like the company is fighting against me putting road blocks up. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to the Bank of America branch, located at XXXX XXXX XXXX XXXX, in XXXX, Florida on XXXX XXXX, 2013 to enter my safe deposit box. When I arrived, the bank personnel made me wait for about an hour while they tried to locate the signature card associated with my safe deposit box. After the bank was unable to locate the signature card, they decided to start a new signature card and allow me to enter my safe deposit box. When I opened the box I discovered all my belongings were missing. The only thing found in my box was a lock, which looked like it belonged to another safe deposit box, along with XXXX screws. ( This lock obviously did not belong to me. ) Bank of America said they would conduct an investigation, but they have been uncooperative and have never returned any of our missing items. Additionally, they have never taken any responsibility for the situation, despite the fact they have no plausible explanation for the missing signature card or the discovery of the safe deposit box lock in my box. The safe deposit box contained valuables and heirlooms belonging to my family. We want our items returned! 

Company response: Company chooses not to provide a public response
Consumer complaint: A XXXX XXXX has been phoning my home from an untraceable phone number ( perhaps registered somewhere XXXX XXXX and when I phoned him back he told me he was working for a " client '' that told him I owed over {$13000.00} to a credit card company and they were going to add {$5000.00} in penalty. I tried to get his address, he refused. I told him any debt resembling that amount was paid off years ago. I asked the name of his " client '' and he refused to tell me. He also had a recorded message from another untraceable phone number leave a message about the government starting an action. He hung up on me twice. He was very rude. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I obtained a Sears MasterCard on XXXX/XXXX/15 when I purchased a treadmill at Sears. The treadmill charge was interest free for XXXX year if paid in full in 1 year - it is called a promotional balance. My statement closing date was XXXX/XXXX/15 and my payment due date was XXXX/XXXX/15 the total balance owing was {$610.00}. On XXXX/XXXX/15 I made an online payment of {$620.00} paying the entire promotional balance in full. During the period XXXX/XXXX/15 thru XXXX/XXXX/15 ( my second statement closing date ) I charged XXXX auto repair charges which were reflected on my XXXX/XXXX/15 statement. When the credit card company received my XXXX/XXXX/15 payment they applied noting to the promotional balance of {$610.00}, which was also the total balance owing on that statement, but instead applied the {$620.00} to the charges that were made after the XXXX/XXXX/15 statement closing date. I requested that the entire {$620.00} be applied to the promotional balance, therefore, avoiding any interest being applied to that amount., but they have not agreed to do that. I feel this is a mis-application of my {$620.00} payment and I would like this corrected. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a credit to my bank account for {$350.00} for an on-loan for which I DID NOT apply from Lendgreen. Then there was a debit made to my account for payment in the amount of XXXX against this. I contacted my bank who instructed me to contact Lendgreen. I did this and was told by them that I did not have an account with them. ( that is why I called them ) They then told me that they could not or would not reverse these entries until I filed a fraud report with my local police. I have done so and am awaiting a copy of the report from the Sheriffs Dept. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: In XXXX 2014, Green Tree Mortgage took over my home mortgage with XXXX. The statements provided by Green Tree did not provide me with needed information, such as amount due. Instead, the statement read " not a bill '', " for information purposes only '' and " total amount due '' was left blank. I called Green Tree, and they told me that this was due to a bankruptcy. I am not in bankruptcy court, though my wife did file for bankruptcy a few years ago. I asked Green Tree to send me a monthly statement with information, including the monthly amount due, due date, and the total amount owed. To date, I have not received this information. I have spoken to several representatives and sent several letters requesting this information. To date, I have not received said information. I wrote another letter to the president of the company. Although he responded saying that they were looking into the matter, the situation got worse. Now, I am not getting any correspondence from Green Tree. According to a representative, all correspondence is being sent to my wife 's bankruptcy attorney. In XXXX, a company representative suggested that I go online. I did so and to my surprise, Green Tree charged me {$1400.00}. According to a representative, the fees were for attorney costs for my wife 's bankruptcy. Additionally, I noticed that my monthly payment went up from {$700.00}, the agreed-upon amount, to {$800.00}. According to the representative, the increase was to pay for the attorney fees. I was not given any type of notice regarding the attorney fees and the increase. I recently spoke to another representative. I asked that the fees be reimbursed. The representative advised me to send a letter to Green Tree, which I did. Lastly, on several occasions, I have asked Green Tree to send my an application for " auto pay '' so the monthly amount can be deducted from my bank account. I am still waiting for this form. I am requesting that Green Tree 1 ) reimburse me the aforementioned attorney fees, 2 ) send me a monthly statement with the monthly amount, amount due, and amount owed ( balance ), 3 ) send its correspondence to my home address, and 4 ) send me an application for " auto pay. '' 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I lost my job at the end of XXXX and fell behind on my mortgage in XXXX. I applied with the XXXX Home Saver program ( Hardest Hit Fund ), Bank of America did not offer this to me nor any other solutions to the issue I was facing. After completing my application with XXXX XXXX XXXX. I waited for BOA to approve the program. However, Bank of America did not, they had an error that was made on loan documents that were signed in XXXX and told me they would not give the approval to enter the Home Saver program until I signed a new Modification of Deed of Trust, they mailed the MOD to me and it was back dated before the date I signed the original modification. They offered me {$500.00} to sign the document and said they would not stop the foreclosure process or even review my file for Hardest hit or any program until I signed it. So I signed it and returned, I do not feel comfortable with the practice of mailing me a deed that is dated from XXXX with the dates changed and another section added to the deed. I feel they should have done a Correction deed and not backdated one. Also they went ahead an proceeded with the foreclosure process and had already started advertising my home and the sale date. As of last night XXXX XXXX XXXX had called BOA and they said they would stop the sale which is supposed to occur today at XXXX, until they review my file for a foreclosure prevention option. There is some funny business going on with my loan, they also have billing statements going back 2 years where they placed payments in a suspense account and did not apply to the loan for months in some cases. Please do a full review of my loan file. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I erroneously sent an electronic payment to a BofA XXXX card, in the amount of {$1500.00}, that I had closed 5 years prior. The account was CLOSED NOT DORMANT. I called my bank XXXX XXXX XXXX XXXX on XXXX to stop payment. Apparently the were not able to stop the payment. Instead of BofA rejecting the payment, as XXXX informed me they should, they cashed it on XXXX XXXX, 2015. I have filed claims with each bank as well as made dozens of phone calls and visits to the branch. XXXX XXXX confirms BofA took the funds but BofA continues to tell me they do not have record of my payment. It has been nearly a month and no one can tell me who has my {$1500.00}. The account I sent payment to was a closed account. Why did BofA take my money? 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted by Receivables Performance Management, LLC ( RPM ) located out of XXXX Washington. RPM called my cell phone about XXXX times and continued to call me XXXX times after telling them to stop calling which was about the XXXX phone call made to my cell phone. 

I have never heard from this company and have never had any account with or never given them my private mobile number. They admitted they were attempting to reach another person that I have no knowledge of. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company is reporting an outstanding debt with a balance on my credit reports as a charge off and judgment. They sold the debt to XXXX XXXX XXXX and that is who was paid. When I called Barclays Bank to ask why they were reporting the debt as an outstanding charge off and judgment they told me they have no information on the account because they no longer had it. This is very frustrating for me because they are still having the account reported with a balance as a charge off and judgment. The account number is XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Green Tree the second lien holder for my home loan continues to be a stumbling block disallowing me the opportunity to take advantage of the HARP program and refinance my primary mortgage at a lower interest rate. I have tried to refinance XXXX times now. I applied this last time in XXXX of 2015 with XXXX, they have requested subordination from Green Tree, who charged a fee. XXXX XXXX paid the fee and have yet to receive the subordination requests despite several phone calls from the loan officer and myself. Today XXXX/XXXX/15 Green Tree informed XXXX XXXX that the request was canceled but could not answer why, yet they cashed the check. This seems unethical and unjust that the second lien holder is prohibiting me from taking advantage of the HARP benefits to include lowering my primary mortgage interest rate. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am getting letters and phone calls from 'First National Collection Bureau Inc ' stating I owe money from a XXXX XXXX XXXX XXXX from 2007 which I never opened nor did I ever have. They are telling me they ca n't turn me into collections but I need to pay them. They have my social security number and address and it 's terrifying- I have no idea who they are, and it sounds like they just want my credit card information. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was illegally denied a loan mod with Bank of America, loan # XXXX. They said I maede. They used data from original loan application {$7200.00} per month. They had acces to tax returns stipulated in loan app. I told them I made {$2800.00}. per month. They sent me a letter stating the XXXX per month as a reason for denial. Please forward this info to current XXXX XXXX. In addition they violated a bankruptcy stay to initiate a foreclosure. I filed another Chapter XXXX BK. The mortgage was dischared under case # XXXX in the XXXX XXXX of NY. Bank of America sent me a notice that they had written off this debt with the IRS. Then they sold loan to XXXX XXXX XXXX and are now trying to evict me. I just noticed the Settlement last Friday with XXXX Bank. I am requesting the same result since this is a mirror image of a business practice. They also have faile to answer a QWR. I am requesting enforcement action to compensate me with a monetary settlement, an immediate cease and desist from any further collection activity, and relief from any judgement. Please contact the above parties ASAP to settle this once and for all. Please inform XXXX that they must provide chain of Title to you, so that you can verify the fraud. 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt is in dispute and has been since XX/XX/XXXX. The original creditor is XXXX XXXX XXXX XXXX XXXX. First Associates Loan Servicing c/o XXXX XXXX XXXX is attempting to collect the debt. XXXX XXXX XXXX began initial written communication about this debt in XX/XX/XXXX and identified their organization as a debt collector. XXXX failed to provide information according to FDCPA 809.a.1-5 [ 15 USC 1692 ] that validates the debt, the original creditor and provide an opportunity for the dispute of this debt since they are not the original creditor as evidenced by the Truth in Lending Disclosure Statement ( attached ). 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: We paid for a one-time credit score from Experian and were signed up for a recurring service without our knowledge. Our account numbers are XXXX and XXXX. We are asking for a refund of all charges ( two months have not been refunded at this time ) which are {$19.00} for two months for XXXX people - approximately {$80.00} total. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a company called XXXX XXXX XXXX XXXX that has a debt listed on all XXXX of my credit files without providing proper debt validation as requested. I even went through the XXXX for assistance ( see explanations attached ). I find this very unfair for the credit bureaus to list this debt even after I disputed it over and over. I am seeking help from your company now to help me get debt validation 

Company response: Company chooses not to provide a public response
Consumer complaint: I just received a call from XXXX XXXX starting I owe an outstanding balance of {$1400.00} from a payday taken from western sky back XX/XX/XXXX, I advised them I have been making payments to Delbert Services for a settlement that was agreed upon in regards to this loan. They told me the loan id is not the same and it XXXX be a different loan. XX/XX/XXXX I was advised this loan was sold to XXXX XXXX ID XXXX from Western Sky and I made two payments on XX/XX/XXXX cash call sent this to Delbert Services ID XXXX and they have been debiting my account for almost a year to satisfy a settlement reach with employer XXXX XXXX. Now XXXX XXXX also known as XXXX XXXX XXXX is trying to collect. Both Western Sky and Delbert services is gone out of business and I can not contact them due to legal issues and the supervisor at XXXX tells me they sold the loan to XXXX and I advised them apparently the wrong acct number was sold and they trying to collect on an incorrect balance. 

Company response: Company chooses not to provide a public response
Consumer complaint: A man introducing himself as XXXX XXXX leaves voicemail messages indicating that he is calling from the Law Offices of D Scott Caruthers and to return his call at XXXX. Calls on a very frequent basis. Calls are invalid and annoying. Bordering on harassment as the nature of the call is never disclosed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX has a debt listed on my credit files and the credit bureau companies stressed that a proper investigation was completed on their end and left my dispute unanswered because the debt is still listed. I find it amazing that I reached out to the company and XXXX reached out to the company and we did not get any results. IT amazes me that I can not get debt validation as requested and XXXX could not get any results on my behalf ( see attachments ). 

Company response: Company chooses not to provide a public response
Consumer complaint: We were charged for a recurring service by Experian that we never signed up for. Our account numbers are XXXX and XXXX. They refunded us for one month but two months of charges remain ( {$19.00} x XXXX people x XXXX months ) = approximately {$80.00} total 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a XXXX Hyundai Santa Fe from XXXX XXXX XXXX in XXXX XXXX SC on XXXX XXXX 2015. After reviewing the contract and after the contract was already sent to the lien holder ( Ally bank ), I decided that I wanted the gap coverage of {$790.00} and the extended service warranty of {$1500.00} charges returned to me or my lien holder. After fighting with the dealership and being told lie after lie I finally got my money back. The amount of {$1500.00} was sent toAlly bank and applied to my account on XXXX/XXXX/2015. The amount of {$790.00} on XXXX/XXXX/2015 was also eventually sent after a complete run around of who should refund this money. I looked at my payment history with Ally and noticed that the amount of {$1500.00} was posted which made me very happy. Then when checking my history again I noticed that the amount had been reversed and never has been reposted. I called Ally, spoke with XXXX ( XXXX/XXXX/15 ) and was asking why this was done and I would like to know where my money was. They stated the reason it was reversed was due to that it was a service warranty and that they had taken interest on the amount so they needed to correct that mistake. It has been two months to correct that mistake. I called Ally again on XXXX/XXXX/2015 and spoke with XXXX she could not answer my questions so I asked for a supervisor. I then spoke with XXXX who told me that after checking with someone that he could not give me a date when my money would be reposted to my account. He did n't want to add to my frustration and would not give me a reason why it was taking so long or why I could not have a date for expecting my money to be there in my account. I addressed also that the {$790.00} gap coverage warranty was posted and that they had taken out interest on that so I wanted that reversed also and the interest taken off. Today is XX/XX/XXXX and in 3 days as you can see from my attachments that has been taken care of - even though they reposted as if they did it on XXXX/XXXX/15 when it was n't done until the last XXXX days. As you can see the amount of {$1500.00} has not reposted to my account. I do not know why you have to fight so hard for your money but if I owed them they would want their money now. I have my car payments in a timely manner, never late. I would just like the same respect and I wish there was someway I could get back all the time and frustration that I have spent on this commitment. Fighting with the dealership and now this bank. I have put in many hours talking to people, arguing and being lied to. I just want my money posted to my account and treated like they would want to be treated. They want me to pay them money toward the loan and I want them to post what is owed back to the loan. Thank you! 

Company response: Company chooses not to provide a public response
Consumer complaint: I need assistance in obtaining a HAMP modification through my bank Wellsfargo. I am currently 30days behind in my mortgage. I reached out Wellsfargo and requested a loan modification back in XX/XX/XXXX. They stated I was denied for the loan modification due to my income. When I purchased my home back in XXXX I was working for a facility called XXXX in NJ. I was making XXXX per hr. The facility I work for was bought out by XXXX due to the buy out they laid off all the XXXX employees. I was laid off for 1 yr. I was not able to find work so I went back to XXXX XXXX and they rehired me at XXXX per hr. Recently I received a raise to XXXX per hr. I did receive assistance thorugh a state program XXXX. They paid my mortgage for 2 yrs. As of XXXX I took over the payments of my mortgage and been struggling to pay the current monthly payment of XXXX. I reached out to Wellsfargo for a loan modification and sent in all my information and received a denial. I understand that there is a program out there call HAMP that I would like to be considered for and I do not believe that Wellsfargo ever placed me into. I need your assistance in getting Wellsfargo to assist me in obtaining a loan modification under the HAMP assistance program. I am only 30 days benind in my mortgage payments and Wellsfargo has thrented me with forclosure proceedings if I do not become current in my mortgage. 

Company response: Company chooses not to provide a public response