AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Good Day, I am going through A horrific time with Westlake Financial Services. I finished my XXXX XXXX XXXX XXXX in XXXX in XXXX. I signed a loan with Westlake Financial from the dealership where I bought my XXXX Ford Thunderbird. I have been getting hassled ever since, Westlake Financial has recently repossessed my vehicle which I have struggled to go back and forth to work in recent days. For the past four years I have received harassing calls from them and although I have many late payments, I have come upon my final payment of {$780.00} finally! after the repossession, they tell me that I have a repo fee of {$350.00} plus {$30.00} for every day it is in reposession plus the final payment of {$780.00}!!! 
I believe I am seriously getting taken advantage of by this business. I have been paying them for four years. They do not take into consideration that I am a United States Armed Forces Member and I will fight to seek some form of litigation. Is there any further help I desperately need it. 

XXXX, XXXX XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: purchased a XXXX from XXXX, XXXX, pa .XXXX owner.from day one car had issues then found out the frame was completely rusted took it back to dealer, he took to his mechanic to fix which was never done four months still not done.but the police shut dealer down for racketerring and fraud which my car was involved in inspection sticker and emission sticker passed the jeep all under investigation by state police amongst other things list goes on, the mechanic has been leading me on four months now XXXX owner not paying the mechanic to fix car since he was shut down, i have been stuck four months now with ins and car pmts on a car i didnt even possess, bank says not their problem, what can i do.i did file a judgement with the local district justice which i am waiting to hear from soon.mechanic still holding car etc etc list goes on, 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have supplied the credit reporting Agency documentation from Police department and the Bank which I was victim of Identity Fraud. Proof was sent by certified mail, fax and email. 
XXXX first did not acknowledge that they received my documentations and numerous phone calls. Later they simply do not respond to their own inquiry regarding the proof and supply of the documentation to properly investigate. I have even provided them with the contact information of XXXX County Police Department XXXX investigating the fraud occurred on my behalf at the bank which was funding my mortgage payments. I even provided in writing the all required contact information of the bank manager. An official letter from the bank that all my asset were frozen due to the ongoing fraud investigation at the branch. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ditech has obtained my XXXX mortgage ( Home Equity Line of Credit ) which has a balance of {$30000.00} and at a current interest rate of 4.1 % for 180 months and sent me a payment due on XXXX/XXXX/15 in the amount of {$270.00} I ran an amortization of that amount and the payment should be {$220.00}. I contacted Customer Service and spoke with XXXX on XX/XX/XXXX and got no response. I contacted XXXX on XX/XX/XXXX @ Ext XXXX and was promised a response ASAP and no response I contacted XXXX on XXXX XXXX and still no resolution. I contacted XXXX on XX/XX/XXXX and she said she was sending an email to XXXX and her supervisor and I should hear back that day for sure and NO RESPONSE. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: Do to recent events that Loan # XXXX is missing a large amount of funds from escrow & loan principal balance, further there is evidence of misapplied, duplicated, removed funds and faulty XXXX. The borrower is requesting evidence which SunTrust has so far ignored. 
SunTrust stating that they originated the loan but now they are only the Servicer NOT the Note holder/Investor. 
Certified Copy of the Note, all Assignments and Endorsements. ( see attached official Request ) 

Company response: Company chooses not to provide a public response
Consumer complaint: I got a loan through The Money Source in XXXX XXXX for a primary residence. In XXXX they sent me a letter stating that there was an escrow shortfall. I had to come up with another XXXX to cover the shortfall and even with this additional money my mortgage payments increased by ~ {$500.00}. In the meantime I was granted a 5 year property tax abatement by my township which effectively reduced my mortgage payments by ~35 %. I just received another letter from The Money Source stating that I had another escrow shortfall. They have now instructed me to pay another {$2400.00} and that my mortgage will increase, yet again, by another {$400.00}. I then went to the tax office in my township and requested a copy of the property taxes I paid last year. When I called the representative who handled my case back in XXXX, we went through the numbers and there is some mysterious amount of over {$7000.00} that is listed as an " actual '' payment that does not match up in any way with the document I received from the township. The statement The Money Source sent is very confusing and has " actual '' payments and disbursements listed. What 's the difference? Either they are guilty of gross negligence in calculating my property taxes not once, not twice, but three times ( because they also got it wrong prior to my closing ) or they are a predatory lender. The way the conversation ended was I was told that I had to pay the new mortgage amount, which now represents an ~ {$900.00} increase from the amount I was originally quoted I would have to pay, by XXXX XXXX. The statement I received is dated XXXX/XXXX/XXXX but I just received it today, XXXX/XXXX/XXXX. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I noticed inquires on my credit report with business that I have not done business with as a result these inquiries are affecting my credit score in a negative way. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid XXXX medical bills on XXXX XXXX XXXX, for XXXX medical services at the XXXX of XXXX XXXX hospital, XXXX, with XXXX XXXX XXXX. The XXXX medical services were on XXXX/XXXX/XXXX and XXXX. The bills were for {$810.00} and {$470.00}. I paid these bills in full via a debit card transaction on XXXX/XXXX/XXXX. This was after I had a conversation with Chase Receivables who informed me that the bills were unpaid - and I promptly paid the bills. Despite this I have continued to receive REPEATED harassing calls from Chase Receivables saying I still owed the money, despite my telling them that I have paid the bills. This is both intolerable and totally unacceptable. I attach a receipt for payment from the hospital and a screen grab of my debit card transaction paying the bill. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a credit balance of {$.00} on my Bank of the West credit card. I knew it was there but elected to leave it alone. This is still an active credit card that I use occasionally. On XXXX XXXX, 2016 Bank of the West arbitrarily decided to debt my credit card as an " account adjustment '' and take the credit balance. While this is not a large amount of money the point is that neither Bank of the West or any other financial institution has the right to steal money from their customers the way this bank did. I suspect this is not an isolated case and am quite sure that this institution believes that since it 's such a paltry amount why not just take it. If they do that with enough customers they can easily pad their profits. This kind of practice needs to be stopped and the institutin fined for essentially stealing money. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America changed my account type from a fee free account to an account with fees after they " changed and reorganized their products ''. I had a Bank of America enhanced checking account that was fee free based on my relationship with Bank of America. I had a credit card and thus all account fees were waived. Bank of America changed my account type without authorization and is now charging me fees. This was an unwanted change. 

Company response: Company chooses not to provide a public response
Consumer complaint: The following is our original submitted complaint from XX/XX/XXXX/XX/XX/2015 : My wife enrolled our children into a XXXX program XX/XX/XXXX. She stated she 'd pay by credit card to which they responded that they had an auto debit program. The agent produced a pre filled out form and my wife signed it in trust that it was to authorize an auto debit from our card. When we decided to pull or kids from the program we were advised we had entered into no less than a 12 month contract followed by a 30 day mandatory cancellation period when she signed the debit form. Trusting the company agent my wife never read the details because he was n't transparent to advise her the form was a contract. Now we 're receiving harassing phone calls from a third party company to which said document was produced by. I called the martial arts agent to discuss this situation to which he quickly washed his hands of by responding my dispute is with them and no longer with him. The third party billing company has stated to us that they will not stop calling us until we satisfy the amount due. This is a very dirty business practice being performed by what is considered by many to be an honorable and legendary form of self defense training which is posted throughout their facility. The third party collection institution also needs to be questioned about these non transparent business practices especially after I read the complains against them on the XXXX website. They go by XXXX aka XXXX XXXX A simple martial arts training for young children should 've never turned into this infuriating situation. 

XXXX aka XXXX claimed they were no longer pursuing the matter as communicated through the XXXX of XXXX XXXX / XXXX XXXX on XX/XX/2015. Now we 're receiving a notice of debt collection regarding the so called dropped case from First Credit Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Phone : XXXX. 

I am not familiar with debt collection since I 've never defaulted on credit and feel very threatened as well as helpless in regards to a matter that we were drawn into with the use of deceptive business practices by the original biller ; XXXX XXXX Branch, XXXX We contacted XXXX yesterday and they stated they are no longer pursuing the matter as well but yet we 're still being harassed now by a forth party. Any assistance in this matter would be greatly appreciated. 

Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: LAW FIRM WENT ON MY CREDIT REPORTS WITHOUT PERMISSION AND FAILED TO VALIDATE UNKNOWN DEBT. PULLED MY XXXX ON XXXX/XXXX/2015 WITHOUT MY APPROVAL IN VIOLATION OF FCRA AND FDCPA LAWS. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: During housing crisis XXXX purchased my mortgage from XXXX since I had never missed a payment since purchasing it in XXXX. Once I was ONE day late & XXXX notched my credit. In XXXX XXXX I unexpectedly retired & went to XXXX to help my daughter XXXX ( XXXX ). I got into credit card trouble & declared bankruptcy in XXXX XXXX. The attorney told me to stop paying XXXX since house was a rental & see what courts did. ( Bad advice ) XXXX transferred note to their bad debt subsidiary Shellpoint. When court allowed me to keep house, I immediately caught up all payments and fees. Since I live on social security income, I applied for Loan Modification. Denied. They said I had too much equity in the house because they said appraisal was {$110000.00}. I owe $ XXXX. Having done real estate, I researched XXXX and made a list of listings and sold and sent it in. They said they did n't get it. I sent it again ( see 2 attachments ). Denied because they held to their fraudulent appraisal. This was an appraisal by DRIVE BY ( against all standards ). Never made any effort to contact me or tenants and impossible for them to enter rear yard due to dog. This appraiser probably sat a computer and read the average price of home at that time in this neighborhood, which ironically, was {$110000.00}. But never checked square footage or comparable. Mine is a XXXX XXXX bath home of XXXX sq ft. On attachments, you can see the comparable square footages. However, there is a {$120.00} other fee showing on Shellpoint website. The first rep said not to worry about it, unimportant. Later, a second rep said she did n't know what it was for. The other day a third rep told me it was for the DRIVE BY APPRAISAL. I 'm now planning to sell the house ( in large part to be done with XXXX forever! ), but I know they will charge me for that unethical, fraudulent appraisal. They would n't give me name of firm, although I wanted to file a complaint with the XXXX XXXX ( appraisers ). The sum experience is that I believe there is collusion between appraiser and Shellpoint. That they want to foreclose and get rid of this loan because the equity is there. They wo n't lose money. They defeat the purpose of the Loan Mod Program. It 's not to assist people like me. They made it so difficult to apply. Twice I had to send in the application, then twice send the comparable sales. My request of you is to have Shellpoint drop the {$120.00}. fee for the " appraisal. '' 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have had my account with Wells Fargo for almost 2 years. During the XXXX season my card was blocked 8 times prompting me to call Wells Fargo each time and verify my transactions. It was embarrassing ; I would swipe my card with funds available and the card would be declined. On XXXX/XXXX/2016 I was told that my account was closing due to too many " claims ''. When I opened my account I was told that there was a {$0.00} liability clause for claims. It was never stated to me or anywhere in the policy that I could only have a certain number of claims in order to keep my account open. My account was placed on hold and I was n't even called or e-mailed about this. I had to call the customer service line who advised that there was a hold on my account. The customer service line then transferred me to " Loss Prevention '' where the rude representative did not answer any of my questions. She just kept repeating that this was a business decision and then she disconnected the line on me. I went into a local branch located at XXXX XXXX XXXX XXXX and spoke with XXXX XXXX because for some reason my account was closed or in the " process of closing '' but Wells Fargo was still accepting my payroll. XXXX, whom was very XXXX and made it very clear that he was disinterested in speaking with me because I am no longer a Wells Fargo customer and needed to take my business else where told me that I would needed to go to the Wells Fargo located on XXXX XXXX in XXXX to withdraw my money. I knew this was a lie because I had already spoken with my HR department who advised that the money would come back to them and they would disburse in the form of a check. When I tried to explain this to XXXX he was n't listening and he stated that I no longer had an account with Wells Fargo but could open an account else where before prompting myself and sister to leave the facility without incident. The fact of the matter remains that Wells Fargo does not state any where in their policy that they would close my account due to X amount of claims and in my opinion and legally my account should have never been closed ; especially without my knowledge. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX paid collections remaining on my credit report this is hurting me from getting a home loan I sent written request to all credit agencies to have them remove. They show paid but open. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XX/XX/XXXX I contacted Homebridge Financ to find out why we had not received our escrow check to pay our XX/XX/XXXX taxes They said they would pay it themselves instead of us paying it They then said they did not receive a tax bill so i faxed to them XX/XX/XXXX i contacted them on XX/XX/XXXX cause taxes still not paid then again XX/XX/XXXX check still not mailed. they then said i signed a paper work stating i for them to pay the taxes for us NOT TRUE. When we were with XXXX our escrow check was always mailed to us by XX/XX/XXXX so that we could pay our taxes within the same year. Someone also indicated to me that as long as our taxes are paid by XX/XX/XXXX you will still be able to file your taxes by XXXX when the check finally arrived it was XX/XX/XXXX it was shown the check was cut on XX/XX/XXXX but the envelope post mark date was XX/XX/XXXX XXXX I was being told numerous of times that it was mailed but it was not we took it upon ourselves to pay our XX/XX/XXXX taxes before XX/XX/XXXX because the check still had not come. The village returned our personal check after receiving the check from HOMEBRIDGE. I am also being told that the surplus from my escrow will not be returned to me because HOMEBRIDGE until XX/XX/XXXX because they are waiting to ensure my property insurance is fully paid up. Every year I pay my property insurance my property insurance is part of my mortgage payment. why are you holding my surplus to draw interest? We want to know how this can be corrected for XX/XX/XXXX and future years we want our escrow check mailed directly to us at our home address post marked no later than XX/XX/XXXX 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I called and emailed Wells Fargo Several times asking them to send me via mail or email a statement I started this in XXXX of 2015. Each time I called them I paid exactly what they asked me to pay and reiterated that I was NOT receiving a statement of the account. I went to use the card at XXXX XXXX in XXXX OH and was told that the account was locked. I called Wells FArgo, paid off the baLANCE AND CANCELED THE CARD. i DID NOTHING WRONG IN THIS SCENARIO 

Company response: Company chooses not to provide a public response
Consumer complaint: Our residential mortgage balance ( with no extra principal payments ) has reached the 78 % threshold as outlined in HPA. Bank of America is refusing to drop our PMI claiming that New York Law has a 75 % threshold. The HPA supercedes New York Law as far as I can tell. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2012 I bought a car from a company name Carhop, which was a lemon their contract mechanics would make some lame excuses on not being able to fix my Van, that I purchased. After all the XXXX I been through under the magnuson and Lemon law I was able to get half of my money back. After looking at my credit score from different sources although it was paid off at wholesale my credit showed derogatory marks on it, and that is false, and I dispute this allegation. I always paid my that Van on time. This company is hurting my credit score. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My loan was transferred from XXXX to Green Tree on XXXX XXXX, XXXX. Green Tree is now Ditech Mortgage Corporation. I have not received loan documents from Green Tree or Ditech as of today XXXX/XXXX/XXXX. I have made numerous requests for my loan documents via Green Tree and Ditech customer service email web site and by phone with their customer service representatives. As a result of those requests I received from Ditech three sets of loan documents covering a loan I had with XXXX back in XXXX, but nothing covering my loan withGreenTree/Ditech. In addition to the missing loan documents Green Tree/Ditech tacked on late fees to my loan amounting to nearly {$300.00}. I have never been late with my payments to Green Tree/Ditech. I am very frustrated with the situation. I know Green Tree/ Ditech is breaking the law by not providing me with loan documents.. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have been indicating that bank transfers be made to my XXXX, FL. Wells Fargo checking account since 1991. XXXX. More locally where I am a better permanent resident, I have a linked savings XXXX. 
I realize how much we are not told, especially when the sums get closer and closer. 
When it was a far fetched idea, it was talked about, and even a Wells Fargo purchase shield XXXX searches for it. 
I believe the money has arrived, that was put there because they believed my grandfather had not enough name, from XXXX to impersonate him. My Father had the same problem being XXXX generation, not having enough to declare his house, that he had a 30 year mortgage to pay anyway. 
That money that is leavened, and was put there in my name, that caused me trouble the whole way, that I found out about, should be available to pay IRS income taxes for my father 's estate, that I have the EIN number for. He had income for the past 7 years, but I ca n't get a hold of his XXXX Wells Fargo account to pay it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I currently have an initial fraud alert on my file with all XXXX bureaus. TransUnion even sent me a confirmation notice that this initial fraud alert was issued as of XXXX/XXXX/2015 and would remain for 90 days. I attempted to receive my FREE copy of my credit report under FEDERAL law with TransUnion on their website. I followed the correct prompts regarding my reason - fraud alert - and was promptly told to pay {$8.00} because I live in California. My request is not a just-because that would qualify for a fee charge ; this is in conjunction with my initial fraud alert! I am illegally being redirected by TransUnion to pay for a free report I am entitled to based on FEDERAL law. 

Company response: Company chooses not to provide a public response
Consumer complaint: Company continues to charge excessive fee 's citing that I do not have car insurance after proof of insurance was provided. And no agreement was entered with me to maintain full coverage insurance. However I have provided them with proof of insurance. 

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