AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I requested an appraisal from Flagstar Bank, my mortgage company on my primary residence, in order to ( almost certainly ) eliminate the Private Mortgage Insurance of nearly {$200.00} per month from our mortgage. They indicated in a letter dated XXXX XXXX, 2015 that this would cost {$420.00} through their appraisal serviceXXXX. I sent the request and a check for {$420.00} back to Flagstar, which Flagstar cashed on XXXX XXXX, 2015. After no contact from them, or the appraiser for nearly 2 weeks, I called Flagstar only to be told that cost was now {$670.00} They tried to say that perhaps I had a rural property ( I do not XXXX Colorado ) and thus the reason for the inrease. They then tried to say that when I called XXXX PRIOR to their sending a letter saying it would cost {$420.00} ), that I should have been told it could be more. I told them it did n't matter ; they sent a letter with the price, I sent a check that they cashed, all within less than 3 weeks time of the letter 's date. This constitutes a contract in the state of Colorado. They have refused to do the appraisal at the {$420.00} price and said they would refund my check. I told them I do n't want the check ; since I HAVE to use their appraiser, they have me cornered. They have since refused to do the appraisal. Even if I agree to pay the extra amount ( which I will NOT ), they are only delaying the inevitable and I am out {$200.00} every month they delay as I continue to pay PMI in one of the HOTTEST housing markets in the country, XXXX, Colorado. I am 100 % certain that an appraisal at the time I sent the check would have resulted in a PMI reduction starting with our XXXX XXXX, 2015 mortgage payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX, my Experian credit report indicated that my last late payment was 18 months ago ( XX/XX/XXXX ) and that I had " XXXX '' late payment. Inexplicably, my Experian credit score dropped XXXX points in XXXX and the report indicated that I had " XXXX '' late payments with the last being 19 months ago. XXXX late payments newer than 19 months ago made no sense. As, I knew that I had no late payments and if I did, they should appear on my credit report. I spoke with Experian XXXX representatives who stated, they could n't see " anything to dispute '' on my reports as there were no " new '' late payments added since XX/XX/XXXX!! I asked them what could be done to correct the inaccuracy and they said " nothing '' as they could n't identify anything to dispute. They refused to resolve the issue and indicated there was no way to repair my credit score.Nor could they provide an alternative explanation to the precipitous drop in my score! 
this to me appears to be a gross error and negligence on their part. 

Company response: Company chooses not to provide a public response
Consumer complaint: My apartment charged a break-lease fee ( ~ {$1200.00} ) and turned it over to a collection agency, as they apparently do n't have an accounting department. The debt was paid in full and the account was closed. It is a significant derogatory mark on my credit report and I request that it is closed as it is negatively affecting my credit score. 

Company response: Company chooses not to provide a public response
Consumer complaint: I just went through a lengthy loss mitigation lawsuit with Green Tree Servicing. We each had attorneys and once the paperwork started moving, we came to an agreement. I made the XXXX XXXX payments as promised, beginning in XXXX of 2015. The next payments XXXX XXXX and XXXX XXXX were for the same amount. I have all payments sent automatically by my bank so there is no problem and there was none -- until I received the statement for XXXX. There are charges on there that were never mentioned in the agreement. One of them is in the amount {$2100.00}, which was supposed to be a forbearance in interest charges. That was outlined in our agreement. The other is for {$5.00}, which was never mentioned in the agreement and they tell me it is for attorneys fees totaling {$53.00}. They are going to charge XXXX payments of the {$5.00} for that, beginning with the XXXX payment. When I asked " XXXX '' why did I see the {$2100.00}, since that was a forbearance amount, he stated that it was for back interest and I would be charged for that later (? ). When I asked again, he said " I ca n't answer anymore questions, do you want the fax # to write your letter directly? '' What I am looking for is that my agreement be honored ( as I have made good faith payments as promised ) and that Green Tree does not add their bogus fees to my mortgage payments. It is not right and will not go away without intervention. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i acquired the debt in a divorce and filed bankruptcy chapter XXXX.the debt is from 2009 and in the state of Louisiana statue of limitations is XXXX years which makes this a time-barred debt.bureaus investment group, llc.XXXX no XXXX did n't send in a claim to the u.s. bankruptcy courts and has filed a suite against my ex.i have read up on certain laws and found that they have violated the fdcpa by attempting to sue for a time-barred debt as well as not complying to the Louisiana statue of limitations and have put them selves in contempt of court as pursuant to the u.s. bankruptcy automatic stay. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have attempted to file a credit life insurance claim with Wells Fargo Home Equity on a HELOC that was extended to my mother in 2009. She paid the premium diligently every month. In XXXX she passed away after a long fight XXXX. I have visited XXXX branches, called the customer service phone number, spoke with their collections department and been shuffled around for 5 mos in an attempt to have the HELOC paid through the life insurance it was protected with. I was initially told by the branch manager at the XXXX MI branch there was no insurance. I persisted knowing there was as you could see the premiums paid on the statement. I was then given information for the insurance company and filed a claim. I took the paperwork I received into the XXXX XXXX XXXX XXXX XXXX and was told by a banker and the branch manager that they did n't know how to complete the portion that was required to be completed by Wells Fargo and that I could just complete it myself. I called the insurance company and they said to send it in without that portion completed so they could process the claim. A few weeks later they sent me a letter saying they do not hold the policy for this loan. 
I began making payments on the loan as they were threatening repossession of the home my mother left to me. When I reached out to the collections rep he told me that if I can not afford to pay the loan that I should just sell the home or do a deed in lieu (? ). It is like they are not even listening to what I say. In a final attempt I sent a written letter asking for their assistance in resolving this and giving them 5 business days to respond. I was contacted by phone and told they were hoping to have an answer for me by today. I also received a letter addressed to my mother saying since they can not discuss the loan with me they are writing to her. My mother is dead, I have n't heard from then again yet, I need help ... 

Company response: Company chooses not to provide a public response
Consumer complaint: original loan was XXXX months. I wanted to pay off in XXXX months. sent extra money to make this happen. XXXX did not apply funds correctly.XXXX stated it would correct matter, would refer to an analysis. instead they discharged my loan. XXXX would not explain why. told debt collection. contacted XXXX ombudsman. they said could not help. went to an attorney, said wait until they put a judgement against you. mean while debt collection wants to garnish wages and take income tax refunds. 

Company response: Company chooses not to provide a public response
Consumer complaint: I would like to file a formal complaint against Central Portfolio Control XXXX Inc. 
XXXX XXXX XXXX XXXX, MN XXXX Number : XXXX - XXXX - XXXXFax : XXXX - XXXX - XXXX I do not have any debts that I am not aware of that would be in a collection agency and I do not understand why this company is calling me. I am on XXXX and Social Security Income ( SSI XXXX. I have Medicaid and Medicare, so I know that all of my Medical costs have been paid for and are being paid for. I also know that all of Student Loans are current and on time, and I also know that my Car Loan is Current as are my Credit Cards. So I believe this company is Calling and Harassing the wrong individual. Here is why : I was never sent a written notice within five days after I was first contacted by telephone by Central Portfolio Control XXXX Inc. They have also contacted my family members XXXX My Domestic Partner & Mother ) by telephone numerous times. I have phone records showing that they have called me at XXXX ( EST ) and multiple times in less than a 2 hour window. 

On the two occassions I have spoken to their representatives, I was spoken to very harshly ( they have used intimidating language and acted like legal actions would be taken against me - my car would be taken from me or my XXXXSSI benefits withheld or possible jail time ). The representatives gave me incorrect information about myself ; the address they told me I needed to confirm was not my address and I informed them that they did not have the correct address and that I did not feel they had the correct individual. They then proceeded to tell me that I Had to provide them with my Social Security Number, which I did not feel safe providing to them and at this they got extremely mad and I was hung up on in one case and in another I was spoken to like I was a child. I then asked them to stop calling me and to please verify what ever debt they felt I owed them and the representative stated I would receive a validation in the mail soon. I never received anything in the mail at all. If they can not provide an address I have lived at or live at currently then they obviously can not prove to me there is a debt. They also have not even told me how much this debt is for verbally or written or where it even originally came from. I am aware that companies like this one purchase debts for pennies on the dollar so they are not even the original creditor but I also am aware that I only have a car loan and student loans and credit cards and my monthly living expenses so there is no possible way I have any debts! 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed the account with TransUnion in which TransUnion corresponded that the account with XXXX XXXX is valid. I then requested the description of the procedure used to determine the accuracy and completeness of information, and documents provided by XXXX XXXX Bank regarding the alleged account. TransUnion was unable to produce ANY documentation. My question is how can the credit bureaus validate the alleged account and the creditor XXXX XXXX Bank can not validate the alleged debt? 

Company response: Company chooses not to provide a public response
Consumer complaint: Title loan with XXXX finance. I may owe more than the car is worth, due to their interest rates and late fees.. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: THIS COMANY IS REPORTING A NEGATIVE REPORT ON MY REPORT AND I HAVE ALREAD YED THEM PLEASE REMOVE FROM MY CREDIT THANKS 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX credit bureaus are reporting inaccurate home repair debt information from XXXX XXXX XXXX and Fair Collections & Outsourcing who are not able to show evidence or proof of this reported debt. Their letters to me claim to have " verified '' the debt but this is not true under the law. I sent certified letters to all XXXX reporting agencies that showed the creditor has no record of ever communicating a debt to me. 
In response to my request for validation of a debt, XXXX XXXX XXXX and Fair Collections & Outsourcing mailed me an illicit and unsigned move-out sheet with fraudulent home repair charges they are using as their supposed evidence that I owe any debt. 

The company failed to provide the following information : Certified communication notifying me of the debt Signed agreement between myself and XXXX XXXX XXXX or Fair Collections & Outsourcing validating this debt Payments I made toward any original debt and my agreement to pay someone this sum of money Communication to me indicating damages made by myself to the home Statements of accounts or receipts that show contractor payments toward home repair as a result of my negligenceI submitted documentation to the reporting agencies and the creditor that shows XXXX XXXX XXXX is responsible for the repairs listed on the move-out sheet that they are in fact dishonestly charging me. This documentation included:1. An inspection ticket by a XXXX XXXX, TX city inspector showing inadequate home repairs. 
2. A certified letter from me to XXXX XXXX XXXX ( dated XXXX XXXX, 2014 ) listing all existing repairs the home needed upon my taking residence. The items listed are various items that XXXX XXXX XXXX shows on the invalid move-out sheet used to charge me this debt. 
3. A certified receipt ( dated XXXX XXXX, 2014 ) showing XXXX XXXX XXXX ' receipt of my certified letter. 

This creditor has several complaints filed against them with the XXXX with other tenants who are victims to their dishonest actions. XXXX XXXX XXXX did not adequately maintain the home in question and has now made unmerited accusations and reported false information to the credit bureau. The repairs listed on the move-out sheet mailed to me are the same repairs I notified XXXX XXXX XXXX via certified letter that needed repairing. I have a copy of this letter ( that shows the detailed list of repairs ) and a copy of the returned certified receipt that shows they signed and acknowledged my request for them to make repairs on the home. I also have copies of the move-out sheet the debtor sent to the credit bureau as proof of a debt, This move-out sheet is not signed or validated and lists the items that I informed XXXX XXXX of via certified letter notifying them that they were responsible for them. 
After I vacated the home, the repairs had not been completed by XXXX XXXX XXXX and now the company is charging me for repairs that existed before I took residence of the home. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for refinance for {$150000.00} on my Current Home " XXXX XXXX XXXX XXXX FL XXXX ''. With cash out I want to buy another home with down Payment of 50 %. Down payment I have in my account amounting about {$150000.00}. With the consent of Loan officer I asked for refinance, though refinance is not allowed to buy another property. Due to one or the other reason underwriting came to know that I am buying another property. They asked me to submit the purchase agreement for new property which I signed on that day and submitted. I submitted all my XXXX statements showing that funds came from XXXX " sale proceeds of XXXX property " proceeds were in form of XXXX /XXXX deposits because under exchange control regulation you can not remit beyond a certain limit. I submitted all wires. I received Close out date, hud, and al that is needed under the law. I signed all documents. Then they started to ask me source of deposits. I did not go to XXXX myself for close out. I send a power of attorney ( submitted to bank ) to my brother who was a buyer. Two days ago I received declined with reason " we can not verify the Residence '' I do not agree with it 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX 2015, I deposited a check at USAA of {$1100.00}. Once deposited, {$500.00} was available on my account. The next day, I looked at my account and it stated that the check was on hold and my account shown a negative balance of {$490.00} was place on my account. When I spoke to the bank, they stated that this was a federal regulated hold that was randomly placed due to the longevity of my account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: the issue is not with a company.it is with the credit bureaus...seems that the amount of time an account has been in effect..counts for the score...credit bureaus show only i year for them...i have accounts since XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX etc..XX/XX/XXXX, etc.

if this is a factor in correct score..i need a correction.
Company response: Company chooses not to provide a public response
Consumer complaint: XXXXDear sirI would like you to help me to find the fund that I lost into WachoviaBelow is my XXXX in historyMy XXXX on the move : Step XXXX : Info from XXXX " We are continuing to review your request regarding your XXXX account. XXXX XXXX moved their funds out of XXXX on XX/XX/XXXX to XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, IA ). The amount moved for you was {$67000.00}. " Person found that fund is : XXXX XXXX XXXXSr. Retirement Plan Distributions AssociateXXXXXXXX XXXX, NE XXXXToll free : XXXX Ext. XXXXDirect : XXXXXXXXFax : XXXXXXXXEmail : XXXXXXXXXXXX I made an application with Wachovia broker to move my XXXX to my Ira account ( please see the attached file ) Since from that date ( XXXX ) I left US for XXXX My account was inactive until now and this account was insured by FDIC so I hope you help me to have that fund backPlease give me a guide line what need to doThank youXXXX XXXX would like you to help me to find the fund that I lost into WachoviaBelow is my XXXX in historyMy XXXX on the move : Step XXXX : Info from XXXX " We are continuing to review your request regarding your XXXX account. XXXX XXXX moved their funds out of XXXX on XX/XX/XXXX to XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, IA ). The amount moved for you was {$67000.00}. " Person found that fund is : XXXX XXXX XXXXSr. Retirement Plan Distributions AssociateXXXXXXXX XXXX, NE XXXXToll free : XXXX Ext. XXXXDirect : XXXXXXXXFax : XXXXXXXXEmail : XXXXXXXXXXXX I made an application with Wachovia broker to move my XXXX to my Ira account ( please see the attached file ) Since from that date ( XXXX ) I left US for XXXX My account was inactive until now and this account was insured by FDIC so I hope you help me to have that fund backPlease give me a guide line what need to doThank youXXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: We received a loan modification through bank of america more than a yr ago.we suddenly, 8 months after, started recieving modification packets again stating either it was notarized incorrectly or that they had neglected to include needed paperwork.Each packet included a promised cash incentive if we would sign and return.They also offered to send a BOA rep. to our home for the signing.So far we 've been told that they can not send a rep to us due to our Morgage type.Secondly, we 've received and returned XXXX packets thus far.Every time I call they either tell me we 've notarized wrong or it was a mishap on their part.Nobody has been able to tell us what we are doing wrong.Not one cash incentive has been seen.We would have to travel XXXX of miles from our home to reach a BOA.At one point an agent told us that our paperwork was rejected because a XXXX looked like an s in the date.This is getting to be harassment at this point.Not to mention the time involved in going to several local banks to get paperwork notarized over and over.My sress level is maxed!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: told XXXX times to mail not call. XXXX time would not give me address to send cease of communications notice. would not provide address unless i " talked about the debt '' like did i think i did not owe the debt etc etc. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a genesis lending loan, that has been charged off, it is appearing on my credit report and weighing it down a lot. I have called genesis and was redirected to another company phone number XXXX, they do n't seem to have any information on me, I called called XXXX whose name appear on my credit report and they do n't have any information on my loan. I have trying to get information, no one seems to know or have any information about me. If I CA N'T GET INFORMATION, I WANT THE REPORT REMOVED FROM MY CREDIT. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I was a member of the XXXX in XXXX XXXX when I lived at the apartment complex that had their facility on the property. I lost my job and could no longer afford living there so moved from the apartment to XXXX. Before leaving i went to the office, told an employee what the situation was and left a note telling them I cold no longer afford the membership and was moving to another city. I did not get any sort of receipt nor was I told that this was not sufficient notice. 
Several months passed and as I did n't hear from them assumed it was done. Some time later they contacted me and demanded I pay nearly {$300.00} dollars claiming that I have not given them 30 days notice of my intention. They also claimed I had n't ever informed them on my desire to cancel. I called several times and left several messages. It took a long time to finally get talk with someone who was not even remotely helpful. I offered to print out a copy of the original letter but was told it would not be accepted because as they said, " How do we know you have n't just written it? '' I then offered to pay another month 's payment and mail them a new letter telling them I wanted to stop my membership. They refused to allow me to even consider this. I feel I have made good faith attempts to resolve this but no solution I have offered was acceptable. They have finally sold this account to a collection agency and I continue to be plagued by this. I am adamant that I will not pay any more than one single month payment. This seems to be a reasonable solution that a reputable company would accept. I need to have them either accept my offer or stop dinging my credit every month. I would appreciate your assistance in dealing with this. Thank you kindly, XXXX XXXX 

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