AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: As a XXXX veteran ( XXXX ) with a XXXX status accorded me by VA, I qualified in 2013 for a VA mortgage, which in New Jersey means that I do not pay property tax. Despite this, my mortgage lender, Wells Fargo, has not only required me to pay property tax as part of my mortgage payment, they have demanded the municipality send my tax refund to them. They have also then held the full amount, over {$4000.00}, claiming it is needed for escrow to pay my homeowners ' insurance, despite the fact that the homeowners ' insurance is under {$1000.00}. Additionally, they have held the refund payment for a full year, despite the fact that the insurance premium was paid on time six months ago. 

Despite several appeals to Wells Fargo and a full-scale effort to get things cleared up by the XXXX, I can not get a coherent answer to why Wells Fargo needs the money I have been exempted from by the government due to my service record. They send me forms that make no sense to me. Their replies to the XXXX inquiry were simply inscrutable. 

I need help. I am unable to work. I am under continuous VA medical care. I was told by VA, the state of New Jersey, and the municipality in which I live that my service record entitles me to not pay property tax. Why should I pay tax to Wells Fargo? 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a complaint against Branch Banking & Trust, to request removal of my XXXX credit report dated XXXX/XXXX/2015. This inquiry to my credit was not authorized by me, has been without my authorization, I do not have any product or relationship with you, no Loans product, therefore I make this request to immediately remove this inquirie that aparace in my report and that affects my score negatively, and request adhere to the laws of fair credit and stir to eliminate an error that is not mine and never authorized, I appreciate your prompt help to my request 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it may concern, I 'm being improperly sent to a collections department by XXXX in regards to a case that dates back to 2012. I have sent numerous E-mails and placed numerous phone calls to XXXX with no response or resolution with my concerns. The issue at hand is that they are attempting to charge me over {$800.00} for a phone that was under warranty and sent back to them. As I refused to pay their felonious charges they sent me to collections. I successuflly had the first XXXX or XXXX collection companies removed from my credit as I contested their collections and stated my case to the various credit agencies. Low and behold the account has been sent to another collections company. I never received anything in writing from the new collections company and only found out when I applied for a refinance on my mortgage. The collection agency is Enhanced Recovery Company and has numerous complaints against them for similar tactics. A simple google search of their company and XXXX will find that there are numerous other people who have experienced the same issues that I have. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been receiving calls for years from several debt collectors for my husband 's son 's debts. We owe nothing. My husband and his son have the same name. I have told them to stop calling and gave them son 's phone # but they call several times a day some with different phone # 's ... ca n't answer my phone anymore. 
Last number XXXX. PLEASE HELP! Thank you 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received XXXX charges to my Bank of America business account from XXXX XXXX, which were not made by myself. I contacted XXXX and they said those charges were not on my XXXX account so I would need to contact Bank of America. I called and filed a claim. I called a few days later to check on it only to be told to claim was never filed. I filed a claim again and called a few days later and the representative said my money would be returned within 10 days. I called in 10 days and they said they had rejected my claim because they felt I " did not have a sense of urgency. '' I made them reopen the claim. I called again in a few days only to be told they closed my claim again, and that there was no reason for the rejection noted on my account. I received a bank statement today telling me I owed {$190.00} because the XXXX XXXX charges caused me to receive XXXX overdraft charges. Now, I am being asked to not only pay them for purchases that were not mine, but to also pay a significant penalty for these charges. 

Company response: Company chooses not to provide a public response
Consumer complaint: AimLoan.com used a bad tax estimate when closing my loan and owes me money back from my escrow account. However, they will not correct the problem and have not been timely responding to the RESPA Notice of Error that I have sent them. I have paid the principal and interest, but they will not apply it to my account and are charging me late fees for the whole amount when only the escrow is in dispute. What good is RESPA if the lender/servicer can continue to act in bad faith and punish the consumer at will. Even after the mortgage fiasco that caused the recent recession, the consumer is always left holding the bag and the lenders can do whatever they like with impunity. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My daughter received a phone call today from a XXXX XXXX, Oracle Financial XXXX ext. XXXX, stating he was looking for my other daughter, the alleged debtor. He disclosed how much the debt was, where it originated from and made threatening comments such as : " We are going to seize her tax refund '' " We are investigating her for criminal fraud '' " We know where she lives and are sending someone to serve her '' " We know where she works and are angry with them '' " We are taking you to court for fraud '' I called the company and spoke with XXXX, letting him know he was violating debt collection laws. He stated he did not have time for games and refused to acknowledge his illegal actions. He demanded to know where my daughter was. He refused to provide his last name and hung up on me. I called back and spoke with him again and he hung up on me. I called back a third time and spoke with someone in compliance and was told his name was XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband of 25 years has passed away recently. I am XXXX and mostly XXXX, and I am in XXXX and can not think clearly most of the time. For the past 3 years my husband was taking care of all our finances, so I was lead to believe, well now I find that none of our finances were being taken care of and I see where I am in default in all my loans. I do not want to lose my home and would like the opportunity to fix this issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: Maintained a Business Checking Account with US BANK NA, received payment via wire transfer on or about XXXX/XXXX/15, in response to what we believed to be a prior invoice issued earlier in the year, as the dollar amounts matched to the penny. Funds cleared and remained untouched in Account for 10 calendar days. On XXXX/XXXX/15, Account was subsequently frozen on the grounds the wire had been sent by our client from an 'unauthorized source '. Purpotedly due to our clients preferred source of funds for payment, our Account was subsequently closed in XXXX 2015 and the business was reported to XXXX for the following : * Non-sufficient funds activity * Writing checks on a closed account Neither of these alleged activities ever took place, nor was I accused of such activity while in communication with bank, nor does bank have any record to support such a claim. 

Company response: Company chooses not to provide a public response
Consumer complaint: Penn Credit ( previous case XXXX ) is attempting to collect a debt again that is not mine. I have gone thru this over and over numerous times over several years. Every time I challenge them, they can not prove the debt is mine and they remove from my credit for a few months and then try again. I currently only have a debt collection letter from them. How do I stop these repeat attempts? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I went to the XXXX dealorship to shop for a car in 2014 and they sent my information to multiple lenders. Now my credit report has several hard inquiries. I later learned that this takes up to two years to come off your credit. I am trying to rebuild my credit and this issue did not help my score at all. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received Debt collection from XXXX for which I do not owe any money. Called several times indicating that no money is due to them. However, they continue sending notices. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am enrolled in a HAMP modification. My rate has prematurely increased from 2 to 3 % and I have not received the $ XXXX a year good faith principal reduction. 

Company response: Company chooses not to provide a public response
Consumer complaint: When checking the alternatives for refinancing my home loan with Citimortgage, I discussed various loan options and was offered a XXXX at 2.875 % and a XXXX interest only loan option at 3.50 %. As I wanted to live a long time in the home, I chose the XXXX option at 3.5 % and was given no guidance or advice in the process. Only several years later did I discover the loan will revert to a 20 year amortization period, with much higher loan payments which I will not be able to afford. Had I realized this fact, I would have chosen the XXXX loan with lower payments after 5 years so I could afford to live in the home. I have asked Citimortgage to consider the facts and provide an alternative but they have refused to help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been notified by XXXX XXXX XXXX that my balance is being provided to all major credit bureaus but the account balance is not being updated. I have not been able to pay on this account due to inaccurate balancing updates. I have attached documentation that the balance should be {$960.00} so that I can begin letting my credit union make payments as they did on my behalf. But I find it unfair to do this and the credit bureaus are not doing their part to update the balance. XXXX XXXX XXXX said it was fine to have the credit union mail payments to the original creditor as which would notify them of the payments received as which, XXXX would then in return notify the credit bureaus. There are old debt ( not that I am admitting to these debts ) that has exceeded the time limit but yet displayed on my credit file. For example, XXXX XXXX XXXX expired XXXX 2016 but still displaying on all credit files. Whenever I disputed a debt, I always said " it 's not my debt '' because of the laws to restart the count, but the credit bureaus restarted the counts ( review my credit files, you will see ). I also disputed the " suffix '' on my name with XXXX in Report Number : XXXX because I am not a male and never had " XXXX '' on my name. This is yet to be corrected because I have not received an updated report to reflect this. See attached that reflects this name. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX creditors have provided Transunion with information to update the accounts but Transunion has failed to do so. XXXX XXXX advised Transuion that my account should report paid as agreed with no late payments and XXXX balance. Transunion reported account closed with delinquent history of 61-90 days. Department of Education sent Transunion notice to delete my department of education account but Transunion refuses to delete the account. The other credit bureaus received the same notice from the Dept of Education and made the correct changes. Transunion is purposely working to keep my score in a low status. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have never solicites crdito with XXXX for a XXXX auto loan. If this was XXXX On My name it was n't me. Please erase this from My account or credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: The alleged debt is erroneous. ALL associated costs were paid when I switched phone service providers. I have requested, from the claimant, records to support the purchased debt. Claimant has failed to provide supporting documentation to support their claim. Instead the company who purchased the alleged {$41.00}. debt, unethically reported the debt as valid, while refusing to support their claim. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have had a Citibank credit card for a number of years, which was enrolled in auto pay. This card carried no balance for a number of months. In XXXX 2015, I accumulated a balance due to some purchases. I knew this card was enrolled in auto pay and did not schedule a payment as it would be debited automatically according to the autopay instructions. On XXXX XXXX, I was charged a {$26.00} late fee. I became aware of that and paid a payment and I also contacted Citibank to understand why it had not autopayed according to the instructions on file. They indicated that autopay had been suspended due to inactivity. However, I never received notice that this was the case ; thus, I do not believe I should have been charged a late fee. Moreover, I have repeatedly tried to re-enroll in autopay and when I enter the information, I just get a blank screen after entering it. I brought this to Citibank 's attention and they had no solution for me. I would like autopay reinstated and the late fee reimbursed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I just emerged from a Chapter XXXX. At the start of the proceedings CitiMortgage filed a claim for {$8000.00} in arrearages. The Trustee was to pay the {$8000.00} over the course of the Chapter XXXX. I was to continue to pay my regular monthly payment going forward. The Chapter XXXX ended in XXXX of this year. CitiMortgage claims that I am over {$5000.00} in arrears now. They told me in a letter that they will start foreclosure proceedings on XXXX XXXX of this year. They claim that I have missed XXXX payments in a row. I have sent them bank statements proving that we have made every mortgage payment since the start of the bankruptcy. 

More than XXXX Citi representative has admitted that they have used my regular monthly payment to cover arrearages. For instance. I was told that my first payment under the Chapter XXXX on XXXX went to pay the XXXX arrearage. Payments from both the Trustee and myself have been going to pay the arrearages before anything else. By no means have they separated the payments from the Trustee and myself. 

This is my understanding. " Payments from the trustee or debtor post-confirmation should be applied to payments due from the Petition Date going forward - not to the arrearages. All post-petition installment payments must be applied and credited to the debtor 's mortgage account as if the account were current and no prepetition default exists ( this includes any adequate protection payments received pre-confirmation ). " I have been told by a Bankruptcy specialist at Citi that this is how they do their accounting and there is nothing she can do about it. We entered into the Chapter XXXX in good faith. We made every regular monthly payment. The Trustee made all of her payments. Yet we are coming out of this being made to feel like a common mortgage dodger with a foreclosure looming over our head. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have tried to go directly to the credit reporting agencies and they have simply ignored my request to correct all of the incorrect data. I am coming to you in hopes that you will be able to help me to get them to do what they should have done already. Please remove all incorrect information reporting on my credit report. The following accounts are reporting incorrect information : XXXX XXXX XXXX : XXXXWhat are the terms and past due amount?? My records do not show that I was late XX/XX/XXXX & XX/XX/2015. Show proof or delete. 

XXXX XXXX XXXX : XXXXWhat are the terms and past due amount?? My records do not show that I was late XX/XX/XXXX & XX/XX/2015. Show proof or delete. 

XXXX XXXX : XXXXWhat are the credit limit and past due amounts?? I was not late XXXX 2015. You are reporting improperly. Delete. 

XXXX : XXXXYou are reporting this negatively but you are n't showing any lates. Either report correctly or delete. 

Dept Ed/XXXX : XXXXWhat is the monthly payment and credit limit?? You are showing that I was current but the very next month 90 days late. Where is the 30 and 60 day lates? Either way ... this is past the statute of limitations!!! 

XXXX XXXX : XXXXWhat is the monthly payment, date opened, balance, terms, high credit and credit limit?? You are reporting this as a charge off but there are no lates. Fix or delete. 

XXXX XXXX XXXX : XXXXWhat is the monthly payment, date opened, balance, terms, high credit and credit limit?? You are reporting this as a charge off but there are no lates. Fix or delete. 

XXXX : XXXXWhat is the monthly payment, date opened, balance, terms, high credit and credit limit?? You are reporting this as a charge off but there are no lates. There are XXXX of these ... delete the duplicate immediately. 

I would like them to fix or remove these items right away. I appreciate all of your help. Thank you for everything you do. 

Company response: Company chooses not to provide a public response
Consumer complaint: There 's a debt agency calling me everyday 6 times a day. Will not tell me who they represent or leave a voice message. They want me to give all of my info to them before they speak with me. I will not verify my information for a company I do not recognize. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I deposited a check into my Wells Fargo checking account on Friday XX/XX/2015. The account had about {$350.00} and the amount I deposited in was about {$750.00}. I woke up on Wednesday morning the XX/XX/XXXX to an email notification from the bank that the deposit was put on hold. I went down to the Wells Fargo branch that I deposited the check out to clear the hold. The branch manager notified me that the hold was placed on XX/XX/XXXX and that the reason for the hold was that during the year I had a few overdraft charges. She also told me that the decision to hold the deposit was decided upon at their home office. Where ever that is. My complaint with Wells Fargo concerning this manner is XXXX fold. First off, they know its the holiday season and that people are spending money on gifts. By withholding deposits and not immediately notifying the consumer they allow the consumer to unknowingly overdraw their accounts. The decision to withhold the deposit days after the check was processed by the bank is highly suspicious. By the XXXX of the month the check should have been well cleared. Because I had overdrawn the account before I seemed like a easy victim for them to pull their scam on. When I approached the bank manager about this issue, within a minute she was able to release the hold on the deposit from her computer without any protest. If the bank had any real concerns about this as a long term issue then why would me telling them to release the hold be enough for them to release the hold. I also find the reasoning for the hold to be dubious in the extreme. To state the reason for the hold was because of overdrafts, then not allow a deposit into the account would seem counter-intuitive. Unless of course the bank wants the clients to have more overdrafts, which it does because it then slaps a {$20.00} charge on each overdraft. Wells Fargo 's actions in this situation are deplorable and should be held with utter contempt. It seems rather clear from my perspective that Wells Fargo was looking for an opportunity to slap additional charges on me by unlawfully controlling the timing in which deposits are allowed into the account. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit report is a mixed file. It contains the address, employer, credit accounts and other information of someone in my family with the same/similar name. 

Company response: Company chooses not to provide a public response
Consumer complaint: TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information in my file. This information does not relate to any transaction that I have made. 
XXXX ACC # XXXX XX/XX/XXXX XX/XX/XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are fraudulent items I am requesting that they are deleted /blocked by name of source A CRA must block the fraudulent information the victim has identified within XXXX business days after accepting her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Enclosed is a copy of the law enforcement report regarding my identity theft Please let me know if you need any other information from me to block this information on my credit report. 

Sincerely, XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 

Company response: Company chooses not to provide a public response