AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My lender, New Penn Financial LLC / Shellpoint placed forced insurance coverage on my property improperly. I have maintained insurance coverage for my condo ( XXXX and exterior building policies ) for the duration of my ownership beginning in XXXX XXXX. 

The lender placed coverage on XXXX XXXX, XXXX for a period dating back to XX/XX/XXXX. I did not receive any formal notice of them placing coverage. Upon discovering the amount on my monthly statement of {$1100.00} as an escrow balance, I contacted them and provided sufficient information of coverage, which led to a partial refund. Over the past year I have tried several attempts to get them to refund the full amount for the coverage period they specified. I have been given various email addresses and fax numbers by various customer service representatives, and none of that has resulted in the full refund being issued. Again, I have sufficient coverage for the time period they reference and have submitted it to them several times to no avail. 

To summarize, they force placed coverage when I had existing coverage for a backdated period, did not request any proof of insurance from me prior to doing so, and did not provide any notice in writing that coverage would be placed. They have thus far refused to issue the rest of my refund. My latest attempt to resolve this issue was by phone on XXXX XXXX, XXXX in which a customer service representative assured me that she had spoken to an " insurance department member '' and they assured me that it would be refunded. When I asked for a specific name and title of the " insurance member '', for future reference which she refused to provide. The representative would only state that any member of the insurance department could help me in the future, and that it would in fact be refunded. 

I am strongly considering legal action at this point, and would very much like your assistance in resolving this matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I filed a dispute on XXXX XXXX, 2015. I requested validation after not receiving a dunning notice, bill, etc from the collection agency. The name on this account is not my last name. I have never had an account with XXXX. This account was previously being reported by a different collection agency and was deleted because they could not validate the debt. How is this company able to validate? The validation I received is just a print out from the debt buyer. I called XXXX and they have no accounts with my name. This is obviously a mix up and it is destroying my credit rating. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid off my mortgage on XX/XX/XXXX to XXXX XXXX. The company has not released the lien on my mortgage. According to the Internet ( XXXX XXXX ), XXXX XXXX became Bank of America Mortgage in XX/XX/XXXX. I contacted Bank of America Mortgage, but they were not helpful. 
The lien on my property still needs to be released showing satisfaction of the loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells XXXX. Still no resolution. Wells clearly accepted a bid from an investor posing as an owner occupant. The property at XXXX XXXX XXXX XXXX, XXXX, NH XXXX was put up for sale as a bank owned property. Wells clearly did not follow it 's own advanced ownership policy and sold a property to an investor who has no intention of living at the property for the next 5 years. I bid over the asking price as a homeowner and was beat out by the investor, who by his own admission to the abutting neighbor, buys houses to fix them up and sell them. No one seems to care. It 's very wrong. This buyer should be fined and Wells should examine It 's process or remove claims of Community and Homeowner Support from it 's website. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX ( a company ) at XXXX XXXX XXXX, XXXX MA XXXX. Phone XXXX. They checked my credit with Experian for the sole purpose of taking adverse action against me. They had no right and no approval on XXXX/XXXX/2014 to get information, and a few days later they used information to Justify my financial position to come after me in a lawsuit. I have opened a complaint with Experian as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX is threatening to send my file to a collection agency and file on my credit reports even though I am paying every month. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have had an outstanding balance on my credit report over the years which I never even used. My credit has been used by somebody in my family which I have never figured out. The issue has never been resolved and I ca n't do anything because my credit been like this over the year. I have a outstanding balance of electricity and loans taken out which are not from me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Had to retired from federal job due to XXXX problems current loan is with SPS as the servicer. This loan was a XXXX subprime loan generated before 2009 that XXXX had dump to SPS. We applied for HAMP due to financial loss of income and property value is XXXX and mortgage is for XXXX so under HAMP my understanding is Principal Reduction would be included. SPS and Investor approved a trial mod but not principal reduction need to know what they do n't comply with the HAMP rules. The account number XXXX for this mortgage. The HAMP modification does not help without a principal reduction. I have contact a lawyer to work with me and SPS on this matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This number calls at XXXX XXXX and the caller ID identifies it as XXXX They leave no message. When I call back and ask who they are I am told they are looking for a XXXX and they can not ID themselves or who they work for because of the nature of their call???? They are an accounts receivable office. Really, as if I do n't know they are a bill collector. I think they believe without a name you can not report them. I told them not to call me again since hang up calls are harrassment. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: In XXXX our bank sent us a letter requiring us to prove we have flood insurance ( due to a Heloc acct. ) .Because of misinformation received from XXXX XXXX, a third party vendor, that evaluates FEMA maps, the bank has charged us for insurance. We sent the required info to show we are not in a flood zone. This was verified in writing by a certified letter by XXXX XXXX and our insurance company.All this was FAXed to the bank per their request. Thru many phone calls, e-mail and faxes from us and our insurance agent, we are unable to get anyone to clear this up. Every time we contact them we are told they need some new form /document ( up to XXXX now ) in order to remove the charges. We have been to the bank several times and are told there is nothing they can do because it is the loan dept ( not the bank ) which is located in another state. The loan was opened in our state at our branch office! 

Company response: Company chooses not to provide a public response
Consumer complaint: For a XXXX time, the Macy 'XXXX Card company charged XXXX a late fee and interest on a payment that the bank records showed was paid on time - in fact, after the XXXX time, I set the payment to pay BEFORE the due date. This time, the payment was due XXXX and they were paid XXXX. Although they removed the fees when I called and agreed the payment had reached them on time, many people would just have paid. What a way to make money. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had some loans prier to XX/XX/XXXX thru a bank. I filed bankruptcy on the bank XX/XX/XXXX. In XX/XX/XXXX the bank is reporting if as XXXX payments received and pay status as charged off. It is hurting my credit on buying a house. Plus I am having to pay high Intrust on anything I purchase on payments. Can this bank legally do this to me.? I feel this is unfair. It should n't even be on my report at all. 

Company response: Company chooses not to provide a public response
Consumer complaint: I complained on XXXX of XXXX, 2015 regarding my mortgage with Bank of America. After the initial complain they have forwarded me to another department. The new representative seems like work for another company that is hired by Bank Of America. They have requested me the change in circumstances paperwork that I have submitted within a day or two. I have also provided all the supporting income documents for example, bank statements, and profit and loss statements. In addition I have also provided the pay stub for my wife and bank statements of my daughter because according to the website I can add household income too, even if they are not on loan. It seems that foreclosure date is coming and they are trying to gain more time. According to the law, once they receive change in modification documents complete package. They should stop the foreclosure but again Bank of America is trying to play the same witty gimmicks, that they have played with XXXX of Americans for throwing out people out of their houses. Again the person I am working with left me a phone message and after that I tried calling him XXXX times but he was not available. I got a hold of their another manager who started another paper trail which I have provided within hours and it seems like she stopped picking up her phone too. Once they realized that they might can not ask for any possible papers in the world, they stop picking up the phones. Even I had to tell the, m that a person in household can contribute in the qualification process because my initial representative XXXX XXXX have absolutely fooled us for all this time telling that we can not use any other income if its not in the mortgage. Any way I am attaching all the documents provided to bank of America for change in circumstances and hope that someone would take a look at it and ask them for answers. Since they play with peoples emotions by asking some kind of paperwork and after you provide them they tell you that no we cant use this because of some reason and then you provide them more and so on. Please stop this mega monster company from playing with peoples emotion because if they cant do it tell us in first place why play these games with the innocent customers. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX owned this debt with account number : XXXX. I contacted XXXX XXXX XXXX to verify this account that was not being reported accurately on my credit report. XXXX sent me a letter on XXXX/XXXX/2014, after reviewing their account on file they were deleting it from my credit report. The account was deleted from all three credit reports. Two months later the same account was sold to " Commonwealth Financial '', I contacted them several times to dispute this account that had been closed. Commonwealth did not respond to my debt verification disputes for the past few months. Commonwealth resold the same account two weeks ago to another collection agency called " XXXX XXXX XXXX XXXX, formerly XXXX ''. This account was closed from the original collection agency due to inaccurate reporting, and now has been affecting my ability to establish credit. Commonwealth has been ignoring my mail correspondence regarding the validation of this debt, and sold it again. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Harvard Collection Services owned this debt with account number : XXXX. I contacted Harvard Collection Services to verify this account that was not being reported accurately on my credit report. Harvard sent me a letter on XXXX/XXXX/2014, after reviewing their account on file they were deleting it from my credit report. The account was deleted from all three credit reports. Two months later the same account was sold to " XXXX XXXX '', I contacted them several times to dispute this account that had been closed. XXXX did not respond to my debt verification disputes for the past few months. XXXX resold the same account two weeks ago to another collection agency called " XXXX XXXX XXXX XXXX, formerly Integrity Solution Services ''. This account was closed from the original collection agency due to inaccurate reporting, and now has been affecting my ability to establish credit. XXXX has been ignoring my mail correspondence regarding the validation of this debt, and sold it again. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a XXXX year old college student .Just recently I found out that I have an unpaid debt ( {$450.00} ) in my credit report from XX/XX/XXXX which I never knew about. Upon further investigation I found out about an unpaid medical bill my insurance company has refused to pay. Now, I have never received a single correspondence from the hospital nor from the collection agency.The only reason I found out about this debt now in XX/XX/XXXX is because I applied for credit card and was denied due to the above mentioned debt .I am devastated because I pay all my bills on time. I do n't have any credit card debt since I pay them fully at the end of each month. I feel my rights have been violated and neglected and I have been put in this situation unfairly. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am a victim of identity theft and someone stole my identity and personal information and applied for a payday loan with Ace Cash Express. The payday loan account was an unauthorized and fraudulent account. I never applied or received a payday loan from Ace Cash Express. I was XXXX from XX/XX/XXXX to XX/XX/XXXX. There is no way, I could of applied for a payday loan with Ace Cash Express, because I was incarcerated. I have attached supporting documentation. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have made numerous attempts to TransUnion to have the account XXXX XXXX XXXX ( account # XXXX ) removed from my credit report, and each time, I have been informed, this account has been verified, and there is no change to my report, in other words, the negative information will remain. I have also made numerous attempts to contact XXXX XXXX XXXX ( certified return receipt XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX class mail and telephonically ), and I have yet to receive any response in any form of communication from this company. I find it remarkable, TransUnion is able to gain verifiable, satisfactory and legal communication with XXXX XXXX XXXX, and I the person they claim has the debt, can not. 
According to the Federal Credit Reporting Act, TransUnion has a responsibility to report accurate information. It has been and continues to be my position that TransUnion is reporting inaccurate information. I have also sent you ( TransUnion ) several letters ( certified return receipt, first class mail and facsimile ) asking for your methods of verification and you have failed to respond. 
According to paperwork received from XXXX XXXX XXXX XXXX account # XXXX XXXX they are a debt collection agency, who purchased the account from XXXX XXXX XXXX the original owner of the debt ). Based on my TU credit report, XXXX XXXX is no longer reporting the debt because I did not owe the debt, and the delinquency date had expired, however TU has allowed the collection agency to continue reporting the debt and the debt has become extended passed the original delinquency date. 
I have also written via XXXX class mail, certified receipts ( which I can provide tracking numbers and signatures upon request ), and facsimile, asking TU to provide me with their method of validation, to which I have received no response. 
I would like TransUnion to discontinue reporting erroneous information on my credit report, and remove the account XXXX XXXX XXXX immediately. I would also would like to know their method of verification as outlined in the attached letters. I am attaching XXXX XXXX XXXX XXXX letters XXXX of which were received by TransUnion. 

Company response: Company chooses not to provide a public response
Consumer complaint: My loan was approved 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: hello i have filed a complain about wells fargo with cfpb complain # XXXX and explained that even though a let them know that reason i was canceling my debt card with them was that XXXX rent a car was attempting to charge my card something i dont owe and canceled the card befor they actuly charged and still wells fargo paid those fradulant chargesthey did not do anything and know this company continues to charge my card as of XX/XX/XXXX XXXXwith no reason please help me my account is about to be close because of wells fargo to acknowledge there mistake 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid the loan off XXXX on a car loan XXXX years ago ons it is still on my credit report I talked XXXX and they said it was up to the. Credit bureaus to take it of I want it off I paid the money to pay my loan off so discusted 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a victim of identity theft. While incarcerated from XX/XX/XXXX to XX/XX/XXXX, someone stole my personal information and identity and applied and opened up the following unauthorized and fraudulent accounts in my name : XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX & # XXXX. I have attached supporting documentation for proof, I was incarcerated. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX certified letters within a XXXX day period to Amsher Collection Services XXXX Inc. has failed to provide the following requested information to validate alleged debts:XXXX Signed credit applications between myself and the original creditorXXXX. Copies of all signed vouchers from the date accounts opened until defaultXXXX. Copies of all statements from the date accounts opened until defaultXXXX. Proof of the statue of limitationsXXXX. Proof of agreements that they were hired by the original creditor ( creditor as defined by the FDCPA ) orXXXX. A copy of the contracts Amsher Collection Services XXXX Inc. purchased the alleged debtsXXXX. If the alleged debts were purchased, provide a copy of agreements between Amsher Collection Services XXXX Inc. and myself, signed by me, stating that I have a contractual responsibility to Amsher Collection Services XXXX Inc. for the alleged debtsXXXX.Provide proof that Amsher Collection Services XXXX Inc. is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claims are now considered invalid and all collection efforts must be stopped and the accounts must be deleted from Amsher Collection Services XXXX Inc. Amsher Collection Services XXXX Inc. can not validate their claims, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting debts to the credit reporting agencies that can not be validated is a violation of the FCRA XXXX Fair Credit Reporting Act XXXX, and carries a {$2500.00} fine. Please advise Amsher Collection Services XXXX Inc. of their infractions and that the alleged debts must be removed from their account immediately, and they also must be removed from all credit reporting agencies.Thank you. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have had a PayPal account for about 8 years now in good standing. Recently my account was locked and all of my funds are unavailable while it 's locked. They say they WILL NOT under any circumstances unlock my PayPal account or give me access to my funds until XXXX debts are paid from old PayPal accounts that do not even have my name on them, they are not mine and never were mine. This is in complete violation with the Fair Debt Collection Practices Act. I can not have my funds held and my account locked because of somebody elses debt. This is also defamation of character to insinuate that I actually abused their service somehow and in some way am attempting to avoid a debt or steal money. This PayPal account is what I use to run my business to earn a living to feed my family. It is utterly shocking that a company can do this to myself and many others with NO repercussions what so ever. I searched the internet and it seems that all these practices they are doing like this are in violation of XXXX thing or another, so why is this company continuing it 's underhanded practices without paying every time it 's found that they are in violation? This is enough to make anybody sick. ( I have not retained council, YET ), but I do have a legal team for my business and they are pushing me to sue instead of making all these attempts at getting a resolution. I hope this gets fixed because we are calculating ALL damages on a daily basis and right now we are already into several thousand dollars and XXXX lost employee. This is libelous plain and simple. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This debt collector, XXXX previously calls Progresso Fiananciero, calls 5 or more times a day from different numbers. When I have answered and explained my situation they always force me to make a promise payment, and when obviously it is n't kept they note it as a broken promise and pretty much throw it in your face and against you. I 've expressed my apology to failure keeping my loan on track when i understand i commited myself to it, yet they will tell me. " Well you compromised to the loan and your are not complying '' Recently they contacted multiple times my references who i was told were only for reference purposes. They are fustrated with me already. I am facing a nerve breaking point full of stress and i cant do it anymore. Help im tired of their harrassment asking every time why haveny i paid. I explained my grandmother passed away, my mother due to that faced health complications. During this time i faced a cut of hours at my job. To top things we had to leave our home because it did n't comply with city safety regulation. I turned homeless for a short period and they dont seem to understand that. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo promised to collect {$300.00} Special Handling dept per XXXX to make XXXX consecutive minimum payments with the collections Department. When I call collections, {$350.00} is demanded. I advised of receipt of a letter from the executive dept stating min payment of {$300.00}. Collections connected me with special handling dept. A representative who barely spoke XXXX is telling me that XXXX is no longer with the company. No info regarding {$300.00}. 

I want to get on a hardship program. 

I was promised that if I make {$300.00} for 3 months in a row, special handling would give me the program. Now the collections just want to take a payment and not apply it to XXXX of the XXXX payments towards the program. I was lied to!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a collation on my XXXX and XXXX report that does not belong to me I 'm a victim of identity theft 

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