AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Hello, I have disputed this account with XXXX and XXXX as not mine. In return they came back with their investigation stating this account has been verified, In return sent a letter to Metro Collection Svc. requesting validation of this debt via Certified letter with no response, I again wrote and disputed with XXXX and XXXX. They stated this account has been validated to be correct. I have not been given any proof of this debt, I do not know who Metro Collections is nor the original creditor XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Regarding New Home Loan # XXXX with Wells Fargo. Working with XXXX XXXX, XXXX XXXX and team.started on XXXX XXXX 2015. 
The worst day in my life when I approached Wells Fargo rep XXXX to help with mortgage while shopping around for XXXX other major lenders. the reason to go them was clearly stated that closing should happen in a month time. I had no-contingency offer and my earnest deposite of XXXX was at risk for my dream home purchase. 
I provided all the documents and was given confirmation that it should be easy one as I was applying for loan of XXXX % on the property price of XXXX and I had over XXXX in assets plus another rental property with XXXX in equity. 
I decided to go with WF due to promise of closing on time. To my surprise the whole month went by in asking for documents in installments. Loan team seem to be working on this first time. everytime they will ask for a " last '' document and then ask for another. Finally I had to request seller for contract extension till XX/XX/XXXX as loan did not close on time. Meanwhile I already spent money for XXXX appraisals and a credit report pull. After this I was laid off from job but got another contract job offer in a day or two so I asked loan officer if I should continue or work with seller on pulling out of deal. 
She told me that contract document is enough proof to keep ball rolling and no other document is needed. I provided with contract job offer I had.I worked with seller to extend contract for another 30 days on condition that I pay {$80.00} per day as compensation. I again asked loan officer if I should enter contract. On her positive confirmation I decided to keep ball rolling for {$80.00} a day. The loan did not close by new extended date of XX/XX/XXXX end.Meanwhile I got job offer from original employer. Now WF wanted me to extend home contract for more days and asked for offer letter. I provided these document and on assurance that no more docs needed I extended purchase contract for another 30 days till XX/XX/XXXX. 
This time I had learnt my lessons and started working with other lender. Thanks fully my loan with other lender got approved in XXXX weeks and I was able to close by end of extended date. 
In the process I incurred un-necessary expenses with no result and caused by in-efficiency of the Wells Fargo staff as follow. 
Appraisel costed XXXX $ and I had to do XXXX. 
Credit check fee XXXX $ Two month of compensation given to seller extend contract $ XXXX $ XXXXPlus lot of trips and parking expense to meet them approx XXXX $ I difinitely need to be compensated for money I spent ( over XXXX $ ) plus compensation towards mental hassle I had to go through during XX/XX/XXXX-XX/XX/XXXX for a supposedly straight forward transaction. 
ThanksXXXX, CA 

Company response: Company chooses not to provide a public response
Consumer complaint: Addresses and most of the accounts are not mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: Despite sending 3 letters to Experian credit reporting agency along with multiple legal documentation discrediting the incorrect reporting on my credit report, they did nothing! In fact, even the statement I asked them to place to place on the credit report was truncated to XXXX sentence which was not even written by me. I tried contacting both Experian and XXXX without success over the past 6 months. The Experian number only allows one to order reports and there is no option to speak to a representative. The XXXX number does not even work. A credit reporting agency should know that an account can not be charged off more than once and yet despite supplying them with legal documentation they continue to report XXXX charge offs. There was no loan with XXXX XXXX that was charged off in XXXX 2014 and XXXX 2014! A charge off can only happen once to one loan/account. Moreover, when I requested a description of how Experian processed the dispute, I received another credit report without any description or justification for the incorrect reporting. Not only did Experian disregarded my requests to include a statement in the credit report, they made no effort to correct the erroneous and damaging information they continue to disseminate while the other credit reporting agencies are reporting the account correctly ( please see attached ). 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I was contacted by a woman named XXXX who gave me her phone number and wanted me to contact her. I have this message on voicemail. She did not say this is an attempt to collect a debt. I called the number back which went to voicemail that said it was Atlas Collections from XXXX XXXX Indiana. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Flag star bank took over a year to give us a modification. It caused us to go from being only XXXX pmts behind to over XXXX pmts behind. Therefore the modification pmt they gave us is higher than our original payment was. Now since I had a XXXX and went on XXXX I lost almost all my income. How do you make a higher pmt with less income. In a years time we had to submit a whole package twice due to their Neglegance. They are not giving us a reasonable payment and it 's because of them taking over a year to give us a modification payment with higher principal balance because of them. I need someone to help us keep our home at lower payment. They also included late fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo Mortgage has failed to provide one point of contact to assist in resolving issues. There is at least one cleared payment that has never been recorded for primary mortgage XXXX, now changed to acc. # XXXX. Documentation was presented to prior representative that responded to my prior complaint with the CFPB. Repeated requests to correct and credit this payment and additional fees have failed. In addition, XXXX mortgage account # XXXX, now changed to acct. # XXXX, is not properly applying my payments. According to XX/XX/XXXX statement, payment dated XX/XX/XXXX is being held as " unapplied '' ; the balance does not reflect the payment. This misapplied payment on the account, formerly # XXXX, is repeating the previous situation where all payments were misapplied during XX/XX/XXXX/XX/XX/XXXX. There is no reason or excuse for not applying payments received. 

Company response: Company chooses not to provide a public response
Consumer complaint: The XXXX placed an illegal lien against me in XXXX XXXX when the person holding my power of attorney had entered into negotiations with the XXXX to make payment arrangements and to revise and resubmit my tax filings for the years in question in XXXX XXXX. Per an XXXX agent in XXXX Idaho ... .this filing was in direct violation of XXXX rules and procedures and the lien should never have been placed. The check for payment was then processed by the XXXX for the full amount one week later which means it was probably held up by mail volume at that time. Per my credit check in XXXX XXXX, the XXXX had not released the lien which, even if it was legal, should have been satisfied more than four years ago and reflected that fact on my credit record. It is the XXXX administrative incompetence that has caused this problem and now both Transunion and XXXX are refusing to correct my credit report to reflect 1 ) that the lien never should have been placed and 2 ) that it was satisfied in XXXX XXXX anyway. I submitted documents given to me by the XXXX agent in XXXX and XXXX is saying that it is not enough, and Transunion is refusing to remove it at all from my credit record with no explanation saying it will remain on my credit record until XXXX, when it never should have been made in the first place. So because Transunion and XXXX would rather play nice with the XXXX rather than do the right thing, my credit score is about XXXX pts lower than it should be. I would like XXXX these companies ordered to remove any record of that tax lien from my credit record as XXXX has done. All XXXX companies received the same information and the same letter from me explaining that the XXXX up but only XXXX understood the issue. If they still refuse to remove any reference to the lien, I will be forced to take legal action against them in federal court for deliberate wrongful reporting of a credit record, which is fraud. I am unable to attach the XXXX records at this time but can mail you a copy if you request it. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX sold the credit card account then I paid it off and they are listing it as open and are refusing to talk to me or even contact the company that purchased it 

Company response: Company chooses not to provide a public response
Consumer complaint: This is the email I sent to them. 

I Have a deposit on hold for XXXX dollars. I have not had a hold like this before and Have XXXX insure payments that I can not change because it is already in process. This is going to cause a problem for me. As such I have my payroll deposit coming thru on this Thursday and have a mortgage loan that will be pulled out that day that will be using some of this money. This is unacceptable and will be causing major problems. Its not like you have a ATM anywhere and i mean anywhere near me. The closet one would be in Georgia. You also can not cancel the deposit so I can go into my business bank account to get money out and then go to a store and get a money order and then find a ups store so I can deposit cash. because you already have that money tied up. Does this really sound convenient? I now have to try and scrounge up and hope XXXX that my insurance does not go thru and try to find some cash to go thru the task of putting some cash into my account. Come on guys/gals I have been a member for 15 years. There has got to be a better way really. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My family was a victim of Flagstar Banks mortgage servicing tactics. Our initial modification application took 20 months to process. I recently learned that there was a settlement made with people in our situation and I had no knowledge and was not included in this settlement. My belief is that they sold our loan right before they made this settlement to avoid responsibility. 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit Bureau Systems is reporting a damaging collection account on my credit report. I have sent them a debt validation request over 30 days ago and I disputed it with the credit bureau but this collection agency verified to Transunion that the debt is reporting correctly when in fact it is n't which is a violation of the FCRA and FDCPA. They did n't even report it as disputed. By law they are not to report a debt that has not been validated. This reporting is has already caused me damage and I can not get approved for credit with this inaccurate listing on file. I never got anything in the mail from this agency not even a call. It 's like they 're totally disregarding me and my position. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Stonegate Mortgage increase by {$300.00} a month without warning 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: An account was opened in my name that does not belong to me. Westlake Financial Services continues to try to collect a debt that does not belong to me, and they are continuing to report it on my credit file when they have been told that the debt was as a result of identity theft/identity fraud. I have contacted this company and told them verbally, by email, and by certified letter with return receipt that this is not may account and that they were reporting it against the wrong person. Westlake Financial Services has refused to respond to me, and they continue to report this fraudulent information to the credit bureau. I have demanded that they send me the documents to prove that this account belongs to me and they have refused to do so. I have asked for a copy of the signed contract, and any other information that they have to prove that this account belongs to me and they will not even respond. Instead of responding to my requests they continue to report this fraudulent information to the credit bureaus. Westlake has done nothing at all to prove that this account belongs to me. I have sent Westlake Financial Services a copy of a police report, and identity theft affidavit so that they would know that this is not my account, but they refuse to comply with my request. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo says my statements are available online for seven ( 7 ) years but, when I closed out a money market savings account my access to the statements ended and they want to charge me {$5.00} per statement. I did n't download any statements for my closed MM savings accounts planning on being able to see them online. I feel misled and potentially gouged. 

Company response: Company chooses not to provide a public response
Consumer complaint: I did contact both credit collection agency listed on my credit report to dispute the XXXX collections on my credit report that do not belong to me or to anyone I know. 

The person 's name given to me by XXXX XXXX XXXX was a XXXX XXXX. I do not know this person and I believe this is a mistake or fraud on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: You have Ally bank listed twice on XXXX/XXXX/2015. I authorized 1 credit check, you do n't get to count it twice 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been l financing a vehicle from Westlake financial for 2 years now. Anytime I contact the company the representatives are always very rude and handle me very rough. For the most part I paid on my car on time until this second year where things have not been so good. They have also done things such as mislead me in regards to fees associated with my account. I asked to have a due date change to assist me with on time payments and they have refused. I have also explain times of hardship and they do not care. I have asked them if I could make partial payments to pay half of my payment each time I am paid in the same month and they refuse. They have threatened me that if I do n't recover the payments they will repossessed my car and the repossession would be 2 times more than what the payments will be. They have been very rude and has caused very stressful times for me. For instance previously I had a past due balance and originally set up ACH debit. I called to cancel the debit and a representative supposedly updated the information. I received a insufficient funds notification at my financial institution stating that Westlake tried to withdraw the funds anyway without my consent. They charged me a {$15.00} fee XXXX when they were never authorized to withdraw the funds any longer. I really hate that I 've done business with this company they treat their customers very poorly and do not deserve to be in business. They do not understand that people face hardships and are not customer friendly at all. They do not try to work out arrangements they scream at you and tell you you should have made the payment on time then. I have also tried to refinance with another company who could n't figure out why so much interest was being apply to this loan even though at the time of purchase I had a lower credit score. They have also change things such as not reporting to all agencies credit wise and have not notified the consumer. I experienced an instance where another car loan company has tried to pull my credit report and according to the agency Westlake has not been reporting payments to my credit. Overall I am very dissatisfied with their service and the way they treat people. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A levy was put against my account for child support but barred the first XXXX dollars in the account from the levy. Wellsfargo took XXXX dollars out of the account that they say they are holding for me until the account reaches XXXX dollars then they will send me a check for the money. The levy does not give them the power to manage my money and not give me axcess to the funds not covered by the levy. The account also has XXXX dollars in it that they will not give me access to. They continue to take their fees from my account but I do n't have access 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a mortgage modification with Bank of America which took about two and half years before it finally concluded. They took me throughseveral different partial payment which they never concluded. Afterseveral contacts and follow up they finally approved the modification. Butthe terms of the modification was not favorable to me but I have toaccept because of the frustration I had gone through within themodification period, ruin credit and many more inconveniences. 
The modification that I was offer saw my principal increase from theamount I was before the modification started despite the fact that I hadbeen paying the different partial payments they had offered. 
I made payment to the tune of {$32000.00} during this very strenuousmodification period but to my greatest dismay my final modification hadmy principal increased from {$240000.00} to {$240000.00} interest baringprincipal and {$3000.00} non interest baring principal making a totalPrincipal of {$240000.00} an increase of {$3400.00}. I accepted the modification and have been paying my mortgage regularly and I am upto date with my payment. I have called several times and even ask my lawyer to send letters to Bank of America in my behalf which they didabout four different times but have not got any reasonable explanation from Bank of America till date about what happened to my partialpayment of {$32000.00} that I made within these period. Taxes, home insurance premium and FHA insurance paid within this period amountto about {$15000.00}, so how did they allocate the {$17000.00} overage that non of it went into reducing my principal? And also how come I did not get any principal forgiveness despite the fact that my home wasunder water? And what does the law prescribe for the time a modificationshould take? And why did they have to drag me for this long ruining mycredit making it very difficult for me to get any loan. In fact during thistime I had to get a car loan which could only be granted to me for a very high interest rate of about 21 %. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am being overcharged ( Corparate Advance Fees ), Home Preservation Fees. My home is being evaluated up to XXXX times this year alone, and I am being charged those fees. Is this really necessary? When getting an appraisal, I know that XXXX is enough. Please help. Could I at least have proofs? 

Company response: Company chooses not to provide a public response
Consumer complaint: A mortgage servicing is inaccurately reporting a tradeline that was discharged in a Chapter XXXX Bankruptcy 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In light of discovering a fraudulent charge a year ago, I reviewed my past credit card statement and found numerous fraudulent charge, some of which were committed when someone took my credit card without my knowledge and without my permission. I tried filing the claim over the phone with Bank of America and I was told that they could n't go that far back in their system and I had to submit the claims by mail. I sent the attached letter and spreadsheet and have heard nothing since then. 

Company response: Company chooses not to provide a public response
Consumer complaint: You have XXXX XXXX listed twice on XXXX/XXXX/15 ... you penalize me for inquiries and the count them twice 

Company response: Company chooses not to provide a public response
Consumer complaint: please make sure you escalate to someone other than XXXX XXXX. he has not responded to my calls and sent merely a script not addressing the issues. Please send to ceo. if i get an answer from logan i will be incensed and demand someone else. i again got interest. pnc limites the times you can pay from an external account so i made a payment on XXXX when it was clear i intended to pay the whole balance. like my record indicates and it zapped me with a minimum interest charge. i want it back. in addiiton when i called to pay the hold time was over XXXX hour. what else could i have done? due date was XXXX on card XXXXcan not use my cards now. 
i want this sent to someone else and handled. this is pure greed and trickery. please refund my interest. without a script or explanation of how its charged as i am not asking that and that is not the issue. 
either make it easier for someone to pay externally or do away with interest but no traps. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am being billed by Home Depot for order # XXXX, which was cancelled and never received. I am attaching some of my correspondence to Home Depot disputing this and asking for a full credit to be issued to account # XXXX, which they have not answered. 

Company response: Company chooses not to provide a public response
Consumer complaint: Someone used my SS # to open a account with XXXX XX/XX/XXXX. They charged {$2200.00}. They have been notified, they were sent a police report and a picture of My ID They do not remove it from my credit report. 

XXXX XXXX 

Company response: Company chooses not to provide a public response