AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I left bank of America because I was being charged overdraft fees that were a direct result of them not crediting my deposits for up to a week. I left them and now I understand that they posted an outstanding debt to my credit report and show that I opened an account in XX/XX/XXXX when I stopped doing any business with them in XX/XX/XXXX. I called spoke to their representative and they said they would fax a letter showing that the debt was taken care of, then later in the day when the fax did n't come through they changed the story and said they would not be sending anything and that they sold the account to someone else and ca n't do anything with it. 

Company response: Company chooses not to provide a public response
Consumer complaint: we closed on our home XX/XX/XXXX. we received a notice in our XX/XX/XXXX mortgage paperwork that our escrow account was short by {$5700.00}. Since we have addressed the issue with our original lender, mortgage company and our current mortgage company we have been given so many different answers, reasons, amounts. Somewhere something does not add up correctly. The notice that we received in our XX/XX/XXXX statement was dated XX/XX/XXXX, which is 2 months past already. We need someone to look into this issue as to why our escorw account is so low and find the underlying problem. My husband and i have been paying what we were suppose, actually even more every month. I think either the original lender did wrong calculations or when the file was bought out thibgs were left out and evry person/company is only pointing fingers. PLEASE HELP! 

Company response: Company chooses not to provide a public response
Consumer complaint: My account was reassigned to this company effective XXXX 2015. When I XXXX received their bill notice, it stated I was 90 days over due. When I phoned & spoke with a person, I informed them that my account was just reassigned as of this month. They kept telling me I was 90 days behind. I paid the balance on XXXX, and I recently received a bill with an outstanding balance and added charges. A person arrived to my residence today, XXXX & handed me a note to call mortgage company. It was the wrong mortgage company. He started to take pictures of my residence. This debt collection company is acting as if I have not paid the balance due. They have initiated steps towards a " foreclosure '' on my residence. 

Company response: Company chooses not to provide a public response
Consumer complaint: The mortagage company has prolonged the loan modification process for over a year claiming i did not submit information on time and denied modification based on those claims. In addition, the mortgagor has changed representatives multiple times in which they are unfamiliar with my case and do not help in a timely manner. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX has been charging my account with a " Debt Protection '' fee I never even signedfor. I have been a card holder since XX/XX/XXXX, and was shocked that XXXX would allow these unauthorized charges on my account. Today, i called the XXXX provided on my statement, and neither XXXX of the XXXX representatives i spoke to could give me a confirmation, proof, anything, of how i was being charged for this " optional service fee ''. I asked for cancellation right away, and they could not even give me a confirmation # for that. A girl named XXXX, who was the XXXX XXXX i spoke to, mentioned it was an optional service and that i was somehow signed up since XX/XX/XXXX!!! She tried to explain the " benefit '' of the service, but i was clueless as i have never, nor will ever, even consider such an option to begin with. She stated she would transfer me to another line to cancel, which i was redirected to a guy named XXXX, XXXX. He could not give me any direct answers on how this service was authorized, and mentioned he would cancel it today ( XX/XX/XXXX ), and that i would be " REFUNDED '' any charges dating back to XX/XX/XXXX. He mentioned within 30 days, i would receive a letter, or that the refund should show up on my XXXX account, if not, to call back and speak to a rep again. I purchased a washer and dryer last year On XXXX XXXX, for my new home, and since then, for every month, they have been charging this fee. It started with a " debt protection '' fee of {$20.00}, and has gone up EVERY MONTH since now to {$59.00}!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: Completed Trial Mortgage Modification with Bank of America. Informed by Customer Representative additional money would remain in Partial Balance until full payment was transferable as payment. Received call on XXXX XXXX, 2015 from new Customer Representative asking about XXXX payment. Informed her that I would like money transferred from Partial Payment used as XXXX Payment. Customer Representative and I spoke to a couple of people, before we were informed that the money had been applied to Principal. I questioned why this was done after adjustments had been made after Trial period and requested to have money moved back. Heard circular reasons and Customer Representative being on the account as to why it could not be done. Customer Representative said she would speak with her supervisor. Requested she explain my concern, when she was not able to adequately explain my concerns, I requested her Supervisor 's name and number. Left message for Supervisor that was never returned. Customer Representative called on XXXX XXXX for scheduled follow-up. She apologized for prior Customer Representative giving me inaccurate information, but money applied to Principal was not able to be transferred back until XXXX payment was made and she was removed from account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Have received phone calls stating that I owe money. Case pending against me. Wanting to meet me in person to serve papers. Calling family and work stating there is a case pending against me. Not disclosing who I owe or how much. Threatening me in messages if I do n't return their call i will be sued. I have never received written papers declaring any of this.. XXXX different phone numbers working together and wanting me to make payment immediately. 

Also said they dealt with a XXXX at XXXX and said I needed to call him for immediate payment or I will be served papers. XXXX and XXXX 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I made a wire transfer payment for services to a business in XXXX. Request was made to not to convert and make the payment in XXXX $ only. However, the business in XXXX received payment in local currency. When asked, BofA Wire transfer department confirm that my instructions are to not to convert the currency ; intermediate bank may have converted and asked me to inform the business in XXXX not to touch the money - so that they will help to get the money back and then I can make a XXXX payment again. They money was then taken back from the business but now BofA says they are not sure where the money is and that the intermediate bank is not responding. It has been over a month since the original wire transfer request was initiated and I am concerned a ). for my money and b ). that the business in XXXX needs the payment they may have other penalties and tax implications on their side. c ). I am not getting any answers from BofA, and moreover lastly, d ). now my local BofA rep says I will be charged fees for conversions and back as well as the applicable conversion rates for conversion, even though the banks are at fault. I need help to get ( i ) to recover all my money and ( XXXX ) to find the reasons who is at fault and ( XXXX ) that others do not have to go through this kind of problems. 
Thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: This started when I was a minor XXXX years old, I 'm now XXXX. XXXX XXXX which is now called XXXX, they indicated I 'm past due in an amount of over {$200.00} which I know I was n't. I was reported to Cheqsystems over 7 years ago and I have no idea how to get this removed so I can open an account. I 've done everything on my side to clear it. What now??? 

Company response: Company chooses not to provide a public response
Consumer complaint: I dispute the validity of this debt. 
I do not believe I owe this debt for the following reason : The debt is too old and may be time barred. There has been no activity on this debt since 2007. 
I request written verification of this debt in the following form:1. I request the date of the last payment made on this debt. 
2. I request any and all information pertaining to this debt including date of agreement. 
Until such verification is received you may not contact me in any form. 

Company response: Company chooses not to provide a public response
Consumer complaint: Penn Credit Collection called my job requesting payment on a bill I do not even owe. The company keeps changing their number and calls my job and cell phone constantly. I do not owe the debt they are trying to collect. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In 2013 I had to file for a chapter XXXX XXXX. Suntrust is our mortgage company and from the day of the XXXX on they have continued to make mistake after mistake on our mortgage. XXXX off, we did not miss a single payment nor have we. Suntrust took all of our payments and put them in a " secret account ''. Then we got notice that after we completed the documents to continue the ownership of the house, Suntrust falsely reported on our credit that we had not made our payments. Then, we notified Suntrust of their mistake " took 6 months easy for them to realize their mistake '' they then rebuilt our payment history but never took the Credit reporting mistake off of our credit. Then today, 6 months after the XXXX was completed, notified us that they have foreclosed on our house. Once again, we have made every payment electronically and never have received anything from Suntrust to say anything about any lack of payment. We emailed them again and once again, are looking into it. I can provide all documentation off of our Suntrust account and would like this XXXX to end. Any help from anyone else is graciously appreciated. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was scammed by another Bank of America client through wire transfer, however, failed to file police report due to insufficient information about scammer. I told BOA my situation to cooperate with police, however, I was told there is nothing they can do, refused to release any information, and would not start any investigation internally. 

Company response: Company chooses not to provide a public response
Consumer complaint: I originally made a dispute regarding a XXXX account in my name. I went ahead and paid the account so I could get it off my credit while I disputed the account with the company and the credit bureaus. The XXXX response I received was that I needed to provide them with evidence that was not previously presented. So I sent them in the proper documentation. I then sent them a letter requesting a description of the procedure they utilized to verify the account. They sent a letter back stating they did n't have to forward any information to the creditor and basically it was not their problem. The other XXXX credit bureaus have corrected this account and it is no longer on my credit report. I also requested them to add a statement to my account regarding an account with XXXX XXXX and they are the only credit bureau who has not complied with my request. I am including the documentation I have relevant to my case. I would like this account updated and/or removed and I would like the statement that I requested added to my credit report. This credit bureau is one of the most difficult to work with because their responses are evasive or they pretend like the request is suspicious. When you request specific information, they ignore the request and send the response back that they want to send. Please help. Thanks. 

Company response: Company chooses not to provide a public response
Consumer complaint: We 've been making regular payments to our XXXX mortgage company but the payments have not been applied. They show on our statements as unapplied payments. The statements also show we are past due and this is being reported on our credit. We 've made several attempts to contact the lender, sent an email to their escalation dept but nothing is being done. Meanwhile our credit is being affected and we have close to {$1000.00} credit. How can a company accept payments, not apply them then place a negative report on the consumers credit? We were told by XXXX rep that the ARM was being reviewed but why are we being penalized? Please help us! 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: Gensis loans have stopped sanding letter of what I still own them. so me assuming I was n't getting a bill from them that I was done paying them. I was going to XXXX college here in XXXX TX. well it was called XXXX instituted and they closed them all down for what I know. so I was told by them that I did n't have to pay no more student loans because there was no account to send money. so I need to know what should I do since I think its unfair for me to pay for a loan that I though was payed for already. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Our mortgage loan was bought out by Lenderlive as of XX/XX/XXXX Since then we have had nothing but problems. We have been dealing with 2 different issues over the past 4 months with no resolution. 
First issue : Our property taxes, due by XX/XX/XXXX STILL have not been paid, and it is XX/XX/XXXX. We have emailed the delinquency letter weeks ago to the escrow department, however our escrow balance has dramatically decreased and nothing has ever been received by our property tax office. 
Second issue : We had an open insurance claim when our loan was bought by Lenderlive in XX/XX/XXXX. We provided all insurance reimbursement documentation to which Lenderlive acknowledged they would provide the remaining balance to us.We STILL have not received the last payment of our insurance funds. After XXXX checks returned for insufficient funds from Lenderlive we are still in dissolution and having to email the NSF checks to the company for " further resolution ''. We are extremely dissatisfied with the slow progression of our XXXX different issues. We have gone in circles with a representative on the phone about XXXX a week for the past 4 months. Lenderlive has reassured us multiple times that someone in " management '' would contact us to which NEVER has happened. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I applied for a refinance loan with AmeriSave Mortgage. The appraisal came in to low which would have resulted in the need to close my HELOC. I cancelled the loan. AmeriSave has n't refunded the appraisal fee yet. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian reported a wrong collection amount on my credit report from XXXX XXXX, XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX. They denied my disputes and refused to provide written explanation. I spend my valuable time and hard earn money to prove that they were wrong. Please see attached documents for detail. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to XXXX. Its parent company being XXXX. I attended the XXXX, PA location from XX/XX/XXXX to XX/XX/XXXX. I got a federal loan and XXXX Genesis loan to help pay for my education. I have been paying on the Genesis loans since XX/XX/XXXX. I have paid {$5000.00} interest on a {$10000.00} loan and only paid {$500.00} on the principal balance. I recently found out about the lawsuit against XXXX and the settlement that was reached in XXXX of this year to forgive 40 % of the genesis loans to those who qualify. After speaking with several people at Genesis and the CFPB, I was informed that I needed to file a complaint to have my case reviewed but that I should be eligible since I started late XX/XX/XXXX. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: account belongs to son with same name different ssn and date of birth 

Company response: Company chooses not to provide a public response
Consumer complaint: I posted dated a check and mailed it for XXXX/XXXX/XX/XX/2015 for my mortgage payment as my mortgage company will only take online payments if all the late charges are paid at once ( also illegal ), and the check was cashed on XXXX/XXXX/XX/XX/2015 which cost me over {$70.00} in over draft fees with my bank. XXXX XXXX XXXX needs to be investigated. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Due to a " Regulation D '' violation ( too many transfers ), my savings account through Citibank , N.A . was closed on XXXX XXXX, 2015. All correspondence up to that point indicated that the funds from that account ( {$4100.00} ) would be transferred over into my Citibank checking account. It it currently XXXX XXXX, 2015 and those funds are nowhere to be found. Every Citibank representative with whom I have spoken has given me a different answer as to when I can expect to receive them ( including the XXXX week when no mention of a check was made, whatsoever ). At this point, I have absolutely no idea when I can expect to receive this money, and Citibank has been no help to me at all. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent a wire transfer from my bank to a receipient in XXXX to purchase products but the receeipent said they never received the funds. I called my bank several times requesting to get my money back but I was told to contact the receipient. the receipent is allways saying they never got the money and my bank is saying to contact the receipient. I allways thought money transfer is a safe way to send money but not in this case Please help me get my {$550.00} USD 

Company response: Company chooses not to provide a public response
Consumer complaint: PennyMac has withheld funds for more than 60 days preventing us to have the insurance money ( XXXX XXXX ) to get our home repaired. They claim numerous times that there is missing paperwork, even though we have sent it by XXXX Mail ( XXXX ) as well as by fax. Each time we call to check on the 'status ' of our claim, we are told a different story by a different claims rep. For instance, when we called on Monday the XXXX of XXXX, we were told our endorsed checks had arrived and would take " up to XXXX hours '' to process. When we called back Wednesday the XXXX, we were told " The checks were not yet in the system and it could take 7-10 business days for them to clear ''. Each call is a different story with conflicting truths and timelines. We called five ( 5 ) days in a row asking to speak to a supervisor and was told each time, " You are on the XXXX hour call back list '', yet have not been called back ... not even once. We were informed that only XXXX of the funds would be disbursed at a time unless we submitted a request for 50 % release of funds, which we immediately did. Less than a week later we were told that " The Investors never approve more than XXXX. '' It is now more than 60 days since the XXXX check from our insurance company was issued to fix our leaky roof and still pennymac is holding that money hostage with lies and deceit. 
We are in the midst of the " rainy season '' here in XXXX Arkansas, and each day brings more rain that flows through the roof into our home, onto the floors, subfloors, floor joists and foundation. The damage that is occurring is tremendous! We need a new roof ... now! 
A roofer will not fix it for free with the promise of some mortgage company that the money will be sent XXXX day, and we do n't believe they should either. 
Pennymac has dropped the ball in this case and is causing our home to become ruined with water, mold and rot. We want pennymac to fix the roof and all other damaged components to the home due to their neglect and willful withholding of insurance funds for repairs. We want pennymac to be fined for violation of section 6 of RESPA concerning timely payments of escrow accounts.We want pennymac to pay punitive damages for the stress, hardship and trouble they have visited upon us. We want compensation for pain and suffering. If the mold and nastiness caused by our leaky roof causes any sickness to our family, we ask pennymac be responsible for all hospital and loss of work due to illness. Pennymac should be penalized compensatory damages for their egregious conduct. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: It has been over a year since we have been trying to get a response from Wells Fargo mortgage regarding a short sale of our property. We have a lawyer working with us and she just sent me an email requesting that I file a complaint about Wells Fargo. She said that Wells Fargo has stated that it is stuck in " Mortgage Insurance '' and that is what is causing the delay. We have a buyer for the house who will bale-out if we do n't get this to settlement. We could no longer afford our mortgage payment so put the house on the market and we are renting another place. We applied for XXXX loan modifications through Wells Fargo and they were turned down. In 2008 we refinanced to an interest only loan of 8.28 % thinking that we could refinance later on. Well that is when the market fell our and our home value took a " deep-six ''. We want to get this resolved asap. We are still paying utilities on the other house as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: When I left my previous employer at the end of 2014, I had a balance on my Citibank work credit card of {$130.00}. Because I never received a bill from Citibank for this amount, I forgot about it. Three months later, I received telephone messages from Citibank. I investigated the issue, discovered what had happened, paid not only the balance, but also the late fees of {$9.00}. Citibank continued to call me, leaving automated messages. I returned their call again, and was treated abusively by a Citi employee, who claimed the post office must have failed to deliver the bills they claimed they sent me monthly. I informed them I had sent them a check for the full amount, including late fees last week. I asked that they not impact my credit rating, considering that they never sent me a final bill and I had sent in my payment. They told me they had already reported me to credit rating agencies, impacting my near perfect credit record. I was insulted by their employee 's behavior and the treatment in general. I do n't believe I have ever missed a payment before in years and years of using that card for work. I paid on time, every time. All I required was for them to send me a bill, and I paid each XXXX promptly. 

Company response: Company chooses not to provide a public response