AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Due to medical problems I set up a Hardship Program for payment of a credit card with XXXX XXXX XXXX and I provided full documentation of my medical status and income and financial assets. I agreed to pay a monthly payment at a reduced interest rate but my account was turned over to a collection agency who began calling me to pay a higher amount than what I owed. The collection agency is FMS, XXXX. XXXX XXXX XXXX Oklahoma, XXXX ( Account # XXXX ) I have been a good customer of XXXX XXXX for over XXXX years and have never had a problem until now. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: When i had started XXXX for my XXXX degree XXXX in 2013, XXXX had told me i owed them money and in order to start classes i had to pay XXXX so i was told i can apply for a loan through Genesis Lending i was told i would not have to pay any loans from Genesis until i XXXX a couple of months later i started to get calls from Genesis on regarding paying my loans and told me i was given false information on paying the loans off. After the first loan XXXX had told me i owed them more money and the first loan was accidentally taken for only {$1700.00} and i owed XXXX over {$2500.00}. XXXX had taken out another loan through Genesis so i can continue my classes and i was told if i do n't pull a XXXX loan i will dropped from my classes. i was given false information about paying the loans and i was given false information on how much the loan amount was. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Along with my social security number, another social security number that is not mine came up on my credit report within the last month. I was alerted by my home loan officer at my mortgage bank. This number does not belong to any family members that I am aware of. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have a file with Wells Fargo HELOC as the XXXX. The XXXX mortgage with XXXX has been approved. We have had the file approved 3 times before with XXXX, but the buyers end up not working out. We have been going back and forth with WF for months trying to get an approval so we can get this property sold. Wells Fargo has denied this offer XXXX and will not give us any explanation as to why they would not approve. They will actually be getting more money on this offer that the XXXX previous that were approved. Wells Fargo just flat out will not let us know what we can do to fix the problem. We have done everything thing that has been asked of us and they just tell us it is denied and that is it.We are trying to save this house from foreclosure!! I just do n't understand why they will just flat out deny it with no explanation at all.I mean the first mortgage is only going to pay a certain amount to the XXXX, no matter what the offer amount, so what is wrong here? It ca n't be the amount going to them, because like I said before they are getting more money now than before.So why deny the offer?? We need an explanation. This property is going to foreclose if we ca n't get an approval. 

Company response: Company chooses not to provide a public response
Consumer complaint: Tried to access my checking account with Bank of America and was unable to do so. Went to the bank and was told account was frozen. No one was able to give an answer why. Went home and received a letter from the bank stating my accounts ( XXXX ) plus my daughter 's accounts were frozen and will be cancelled without an explaination. The letter was dated XXXX/XXXX/2015 and I received it on XXXX/XXXX/2015. Letter stated 'your personal checking/savings account ending in XXXX will be restricted in 7 days and closed 14 days from the date of this notice. Now we are talking XXXX and I can not access my account and there is only a XXXX # to call, which you can only get an automated voice telling you to leave your name, # and account # and they will get back intouch with you. Went to the bank and they can not help me because they can not see my accounts because its frozen. This is very unfair and the bank seems to forget they are dealing with people and not a number. The issue is both my checking and savings account. 

Company response: Company chooses not to provide a public response
Consumer complaint: when I got the loan in XXXX 2015, I told the dealer that a due date of the XXXX would not work for me can I change it. They told me yes contact Ally and they will change it. When I spoke with Ally I asked about changing due date, they told me to make XXXX payment then they would. I inquired again on their website and was told to call. The agent I spoke with said it was changed and I had to pay a fee of XXXX for the change. She did n't say when, said I would get it in the mail. Today XXXX/XXXX/2015 I have been called by Ally collections XXXX times and it is only XXXX am. I spoke to them on the last call and the agent told me I have to pay now, today or it wont go through. I told her that was why I changed dates so it wont be late anymore. She kept pressuring me to pay now, or this week. XXXX I was never told of the change fee originally, XXXX if my due date is not until the XXXX now why are they calling still asking for me to pay. I explained to the girl today that XXXX of the month I have rent, utilities, other car payment, insurance and there is just not enough to pay the XXXX payment. the middle of the month is good for me and I can pay then and not be late. She would n't listen only pressuring me to pay now and said I would have late fee if I do n't pay. How can I have late fee on something not due yet? On top of that Ally uses off shore people to handle their calls and they do not speak XXXX very well. Hard to understand them and they can not understand you. I could tell she was just reading from script. I am trying to save everyone time and money by changing dates but they are making it very difficult. 

Company response: Company chooses not to provide a public response
Consumer complaint: I get robocalls on my mobile phone from Focus Receivables Management claiming I owe a debt that I don't owe. They call from different numbers. The most recent are: XXXX and XXXX.
Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I requested that Bank of America ( BOA ) remove the PMI for the past three years and they declined me each time. Each time my request was denied eventhough my equity or loan-to-value amount met the requirements for the removal. Recently, my loan matured to greater than XXXX yrs old and I requestd for the XXXX time that BOA remove my MPI in XXXX in which BOA said that they would look into it. BOA never removed my MPI and in XXXX they sold my loan to XXXX Mortgage company. XXXX is now in process of removing my PMI. However, BOA repeatidly ignored my request throughout the years. Recently, my loan was tenured enough and value high enough to meet the removal. Also, I have never missed a payment. This has cost me additional fees throughout the years since my PMI should have been removed in XXXX I have since pay a PMI for an additonal XXXX months. My MPI is about {$80.00} a month. To a middle class family {$400.00} is a lot. 

Also, I think that it is unfair that BOA sold my loan. I believe that this is a form of discrimination. They were aware that I was refinancing and wanted my MPI removed. I think that they sold my loan to another creditor because of these factors. This is a bad banking practice which is horrible customer experience. This process delayed me from getting refinanced. This is also unfair to other creditors that purchase loans like mine and later take a financial hit while the bigger bank get rid of customers that have rated them low throughout the years. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX I submitted an application to refinance my existing mortgage loan with Bank of America. After waiting and many inquiries about a settlement date, I found out by email on XXXX XXXX from the loan officer, that my file was cancelled. I have been a customer in good standing with BOA since XX/XX/XXXX, my mortgage loan servicer. At this time,. my income has increased, my financial portfolio is still stable and has increased, and my outstanding debt has decreased substantially .My credit score is XXXX. I have provided all documents to complete the process in a timely manner. I was mailed a new Good Faith Estimate dated XX/XX/XXXX that exceeds the original one dated XX/XX/XXXX by {$1700.00}. I paid for the appraisal that was done in XX/XX/XXXX, required by the lender. I was assurred previously by my loan officer via email communication that the delays would not change the original terms on my loan. The interest rate lock that we agreed upon expired Please review and investigate why they cancelled my filed. I want to move forward however, the interest rates for loans have now increased. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a credit card account that I use for big purchases and I have n't needed it for about XXXX years. I received a letter from Citi on XXXX/XXXX/15 stating that my account was closed due to inactivity. I promptly called Citi on XXXX/XXXX/15 and questioned why this was done and that I wanted my account to remain open. The representative stated that after XXXX months of inactivity that a program goes through and closes accounts. To reopen my account they would need to pull my credit report. I received no prior warnings that allowed me to take action before the account was closed nor is there anything in my online agreement that states after XXXX months of inactivity my account would be closed. I asked to speak to a manager and she was just as unhelpful and reiterated that there was nothing they could do but formally request the account to be reopened and that would require pulling my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Subject : Deed in Lieu of Foreclosure, XXXX, XXXX XXXX, XXXX, CA XXXX Bank of America Loan # XXXX have been assisting The XXXX family on a Deed in Lieu of Foreclosure since XX/XX/XXXX. Wth the advise of customer service from Bank of America I pulled comps and found XXXX lot that sold for XXXX so I proceeded to list the land for XXXX for the 90 days that was advice given to me. We never received a single inquiry on the land for the 90 days. 
on or about XXXX I started getting email communications from XXXXXXXXXXXX requesting many documents which the seller provided. On early XXXX I received a call from a XXXX XXXX, an appraiser from XXXX CA. After going to property he called me and said the property may be unbuildable due to a deep crevice dissecting the lot in half. He said the value is XXXX not XXXX and not the XXXX they paid for it. So I was advised to do a modification of terms on XX/XX/XXXX and changed the list price on XXXX for XXXX. I have yet to get an inquiry on the property. During XXXX XXXX XXXX said she contacted us that the Deed in Lieu of was denied. The XXXX and I received nothing via mail or email regarding the denial. We are requesting a deed in lieu of because, # 1 they no longer can afford the payments and # 2 the value of the property is XXXX and they still owe XXXX. They developer has not completed the improvement on the land as promised. I called the company and they do not answer the phone. Please help this family out and investigate Bank of America 's procedures. XXXX XXXX, XXXX # XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was stupid when I was younger I believed the college loan programs estimates of what I would be making in my area when I graduated college! These people would not lie ... would they??? I was contacted by Allied Interstate ( formally XXXX XXXX ) for my defaulted student loan. The person who contacted me knew nothing about my background and loan information so much so, that I indicated that I wanted to check this company on line. Have you checked this company on line? If not, please do, it is interesting as to what has been said. The sad thing is this company still seems to be doing the same not posting payments indicating people owed more after the payment term was up, etc. ( found info on line ) With student loans if you do not repay they trash your credit then you can not get a job that pays you enough to live so you remain in default! No wonder so many just refuse to repay .... or just can not repay! I want to repay my loan but I want to repay my loan to a company who actually knows me and my situation not just out to make a buck! Does n't really surprise me that the government chose this company ... Does it really surprise anyone that the government student loan default ratio is so high??? 

Company response: Company chooses not to provide a public response
Consumer complaint: I refinance my mortgage and it has been almost 2 months since my mortgage has been paid in full and Suntruct will not refund the money that was in my escrow account. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX is complaining that she is the part owner of premises. That XXXX XXXX was a constructive trustee. That ASC ( the servicer ) has failed to assist her or XXXX XXXX to keep the home. The investor is XXXX. Although I have been authorized on the account. XXXX has reported and continues to report negative information regarding this account against XXXX XXXX although there information is incorrect. Please note that this lender has not submitted to any proof of debt, standing and/or default of the terms of loan. In fact I believe that the original note no longer exists and the are attempting to foreclose with a electronic note scanned and altered. There is currently a scheduled foreclosure auction on XXXX XXXX, 2015. I would like for the auction to be stopped pending investigation, negative reporting stopped and for a copy of all credit files including mortgage and mortgage not be sent to me. Please note I have on XXXX/XXXX/2015 i filed a complaint # XXXX however I made a mistake with the name of the lender. It 's the same complaint. Please stop the sale date until we find a solution 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a victim of identity theft and fraud. I attempted opted out of pre-screening on the XXXX of XXXX, and suddenly I could not gain access to Experian to check my credit report. I tried to open an account with creditchecktotal to see all of my credit reports and was not allowed to do so. I then attempted to see all XXXX reports on XXXX 's paid credit monitoring service that I pay for each month, and once again I was not allowed to view a tri-merged report. I contacted Experian and was told that my social security number has an alert on it and I will not be able to access, view, or dispute any items on my credit report from Experian. When I inquired as to how long I was told that there was no answer that could be given to me. I have been locked out of my account for 3 weeks now with no method of relief or appeal to dispute financially impacting negative items and inaccurate information on my credit report.. 

Company response: Company chooses not to provide a public response
Consumer complaint: l enrolled for USAA Debt Protection plan on XX/XX/XXXX and l clearly told them l am self employed, fast forward to XX/XX/XXXX l lost my business and l could not afford to make minimum payment and USAA denied my application that they do not covered XXXX, they ( USAA ) been charging me over {$100.00} a month for this service. please help, l find this situation to be fraudulent and mis-informed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo invited us to take advantage of the Home Affordable Refinance Program in XXXX 2015. We applied to refinance at a lower rate. My credit score is XXXX and income more than qualify for a refinance with no additional money requested. I 've been with WF since they bought Wachovia and do all my banking with them. We did not ask for additional money, just a lower rate on our current small loan. During the process, WF called my government client so many times that the client complained. We gave all the documents requested. In the last stage, they came back and asked for a XXXX for rental property because they wanted to know why we had a loss. What does that have to do with a lower rate? We did not submit it. Much later we got a survey request from WF asking us to be honest and tell them why we did not proceed with the application. I wrote the same to them and now more than a month later - Nothing from WF. What is the point of asking if nothing is being done or even said? 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested a copy of my credit report and noticed Well Fargo made arequest to view my credit report. I have never had any dealings withWells Fargo, nor have I requested any service with this bank that givesthem consent to access my credit report. I would like an explanation asto why they requested any information regarding my financial historyand want a complete transparent disclose as to who and why thisrequest was made by an associates within or any unauthorizedrequest by companies associated with them ( Wells Fargo ). 
I believe this request is illegal because I gave no such permission toWells Fargo to access my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted credit agency to verify debt seeking proof of debt from original company to the creditor company. The company refused to fax or email verification of debt and would only mail the verification. I offered to make payment immediately upon receipt of verification. Company threatened that debt would incur interest during their mailing time and further increase my debt. This is essentially a punishment for seeking verification of a debt before paying the creditor. Additionally, I never received notice of the debt from the original company, so verification of the debt was needed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Last month around XXXX XXXX, 2015 I notice on XXXX that I had XXXX listings for my mortgage loan. XXXX listing was named Wells Fargo Home Mor mortgage for {$150000.00} the other was named WFHM mortgage for {$150000.00}. I called that day and talked to a representative and explained I only had XXXX loan for a mortgage with Wells Fargo under loan number XXXX. The representative said she will look into but that she could not see my credit and therefore the credit dispute department would have to do an inquiry. I received a letter from Wells Fargo explaining to be that the information on my credit was correct and that they had but some kind of code on my credit and reflecting that I may not agree with their findings and that they will only remove the code after I agree with their findings. I called the mortgage company again XXXX XXXX 15 for assistance in correcting this misinformation I spoke with a XXXX XXXX that said she will request some file because the lien may not have been released. She called me on XXXX XXXX asking for a copy of my credit report with the duplicate listing. I tried to ask for an email but was told I had to send it my fax. The Fax number I was given is XXXX and it would not allow me to send the proof of the duplicate listing. I would like my credit report to reflect that I only have XXXX mortgage. It has put my debt to credit ratio off and it affects my credit score and I feel that this mortgage company is not trying to assist at all. I am also concerned about other people that may not know to come here and make a compliant. Please assist. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I currently use XXXX to monitor my credit. Recently noticed drastic decreases in my score based on claims of " maxed credit cards. '' I have XXXX credit cards with a total of {$27000.00} in available credit. Total for all for cards is {$14000.00} = 53 %. The card amounts are as follows : XXXX : {$8700.00} with {$14000.00} credit ( 60 % ) XXXX {$2600.00} with {$4500.00} credit ( 59 % ) XXXX XXXX {$2400.00} with {$6500.00} credit ( 38 % ) XXXX {$410.00} with {$2300.00} credit ( 18 % ) This represents a clear falsification of my information by XXXX of the credit bureaus, XXXX and Experian who dropped my credit in XXXX month from XXXX to XXXX and XXXX respectively. This impacts my ability to purchase a home as well as impacts my ability to achieve a lower interest rate. The impact may be XXXX of dollars which I feel they are liable for due to the false information submitted by the XXXX reporting agencies. 

I have complained in the past regarding their sudden changes to down grade accounts and substantially slower times in increasing rates even after sustained consistent good credit management. Please take the necessary action to require them to increase the scores. This may be a potential for class action suit as I am sure I am not the only person experiencing these false reports to my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: " I sent in a letter requesting an investigation of inaccurate items on my credit report. I included a copy of my state issued photo id for identity and address verification and a copy of my XXXX. They sent me back a letter saying it was suspicious and possibly not me. I then called to confirm that it was in fact me that had requested the investigation, and was told by Experian representative that they do not accept dispute letters by mail. To me this is a blatant and intentional violation of FCRA, and they publish an address to send disputes to. '' 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently refinanced my home with XXXX XXXX XXXX Bank. Myold financial institution is Freedom Mortgage. During the process, mycounty received a payment for property taxes for the XXXX installmentdue this year between XXXX 2015 and XXXX 2015 from both institutions. 
The county stated that the payment from XXXX XXXX XXXX Bankwas received first. So because of this, the county stated on the phonethat they were sending the other payment back. Freedom mortgage usesa third party, XXXX, to take ownership of mortgage responsibilities. Ihave called XXXX almost every week since XXXX 2015 to get myamount of property tax payment refunded to me. They have stated thatthey have been waiting for the county to send it back to them so they cansend it to me. XXXX has already established it is owed to me. Ispoke to XXXX, ID # XXXX, a supervisor from XXXX in customercustomer service in mid XXXX 2015 with a representative from thecounty, XXXX, on the phone. She witnessed them tell me that the countyhas already sent the amount of {$1400.00} approximately back toXXXX. As of XXXX XXXX, 2015, XXXX claims that they still have notreceived it and that they would forward the concern. I have constantlycalled them for my refund and they continue to promise that some onefrom XXXX XXXX would get back to me about this matter. 

Company response: Company chooses not to provide a public response