AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have opened an Equity Line of Credit with Bank of America about 2 years ago. I live in NJ, so the local laws state that the bank can not impose a prepayment penalty on any mortgage loan. When I was signing the HELOC contract the bank included a statement that if the line is closed within 3 years I would be subject to the prepayment penalty of {$450.00}. I questioned that statement and asked the officer to remove it but the closing officer told me that the bank has standard closing forms for all the states and it does not alter it for the individual states. However, when the issue arise they abide the local laws, so in NJ the prepayment penalty would not apply. I signed the contract without further insisting on changing that part. Recently, I negotiated a better mortgage rate and decided to refinance my mortgage. In the process, I did not have an option to keep my HELOC with BoA open, so it was required to be closed. As a result, BoA charged me {$450.00} of the prepayment penalty. I contacted BoA and explained that I 'm being penalized for refinancing my mortgage. I pointed out that in NJ the banks are not allowed to charge the prepayment penalties but in response the BoA representative told me that in their opinion the definition of mortgage loan in NJ law provides enough gray area that they do not feel the laws would apply to HELOC. I explained that HELOC meets a full definition of a mortgage loan:1. A loan secured by a lien on the property. 
2. The document specifying the terms and conditions of the repayment of such a loan. 
3. The repayment obligation associated with such a loan4. The lien on the property associated with such a loan. 
BoA has been avoiding my calls. I spoke with the branch manager but as he said " did not want to get involved '' and referred me to the central HELOC Department, which is the same Dept that has been refusing to refund the prepayment penalty they charged me. 
I will greatly appreciate your assistance. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have what seems to be a unique situation. Due to a serious medical issue we got behind on our mortgage and exhausted much of our savings. My husband and I are over XXXX. I am XXXX and he is XXXX. We decided to pursue a reverse mortgage and were approved ; however, the reverse mortgage is less than the principle balance, accrued interest, penalties and fees. We have asked Bank of America to accept the reverse mortgage and we can bring approximately {$10000.00} cash to closing to cover the principle. We provided all of the HAMP documentation to their liking and they are telling us that they can not take a settlement. They also tell us that if we were asking for a short sale they would be able to do this. This does not make sense because if they foreclose and do a short sale they will get less than if they accept our proposal. Is there anything you can do to help us? We have until XXXX to get this closed otherwise the reverse mortgage will expire and with the new rules the XXXX, XXXX, has told us that we will not qualify. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a second Mortgage that was signed in XXXX 2006. Can someone explain why 100 % is still going toward interest and 0 % is going toward principal. I have called the company weeks ago about this issue and no one in the entire company could explain why. They said they would get back to me. As usual when dealing with GTS, I have not heard a work about this or had anyone call me back./ 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XX/XX/XXXX I notified Amsher Collection Services ( ACS ) that their collection was not valid. I was never a patient at XXXX XXXX XXXX in XX/XX/XXXX, and requested they produce evidence, i.e. any document with my signature or any medical records with my name. I disputed this with the credit bureaus. Result was that the ACS refused to produce any evidence of my debt, re-aged the debt to the date that I protested it, refused to remove it from my credit report, and have not bothered to report again in over six years. It is now passed the statutory limit for collection and I want it completely removed from my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The company continuously calls my family and friends starting when I am 10 days late on a payment. They have called these people on much more than XXXX occasion and they know exactly how to get ahold of me. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Called cell phone XXXX. When asked who they were or who they were with would not respond only asking who i was. Called from number with unknown name. After hanging up called my work they were asked again who they were and would not respond. Asked not to call back. They called back asking to speak with owner of the company. Again they were notified that they were herassing and to not call back. They called again from different number on cell phone again not specifing who the were. Upon returning the numbers on the caller identification, both numbers came from Diversified Adjustment Services. Women calling was very pushy and not understanding that she was calling a place of business and if she did understand did not care. The phone numbers that had came through at the time were XXXX and XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Back in XXXX 2014 I either lost or someone stole my Debit card. A fraudulent check was deposited to my account through the ATM and funds removed ... I had maybe {$3.00} or {$4.00} dollars in account when I went to use it I was told my transaction was declined so I went on line to check balance and saw a transaction for food ( which I did not buy ) but also there was a pending deposit for I think it was {$2500.00} or {$2900.00}. The next day I went to the bank and informed them. I asked them if they could cancel the card and issue me a new one. They said no problem, we did that, they said I would get a new card in the mail and did I want a temporary card. Since I was n't expecting my XXXX check for at least another two weeks I said I would wait till new card came in. I kept calling them about reversing the charge for my {$3.00} or {$4.00} which when they finally did I was told they were closing the account and choosing not to open me a new one. At that time I did not pursue it cause I was dealing with a XXXX in the family, and I just transferred my XXXX direct deposit to my other bank account. I never got anything in the mail as far as I recall. Recently I opened a business account and deposited checks made out to the company and when I went to make payroll I found out that they had put a freeze on the account. I did n't know I could n't do business with them or that they were holding me accountable for what happened back in XX/XX/XXXX. I lost the company contract because I could not make payroll .... I do n't know what to do or how to fix this problem. I 'm XXXX it 's not too many companies that are going to give me a chance like this again. 

Company response: Company chooses not to provide a public response
Consumer complaint: Financial Asset Management Systems ( FAMS ) has continued to threaten to restart interest on my student loans which is currently at 0.01 %. FAMS has repeatedly threatened to restart interest at 8 % in order to continue to get payments from me which is an flagrant violation of the Fair Debt Collections Practices Act. FAMS has continued to threaten me that they could restart the interest to 8 % if they do n't get payment from me which is an abusive practice and violation of the Fair Debt Collection Practices Act. FAMS continues to make these threats as a coercion tactic to get money from me. These practices are flagrant violations of the Fair Debt Collections Practices Act. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I have been trying to do a HARP refinance since XXXX 2015. Our current lender, Green Tree Servicing continuously blocks the process from going through. We were working initially with XXXX XXXX who basically gave up because Green Tree would not respond to their requests. Now we are running into the same issues with XXXX being unable to get them to move forward with the documents they need to move forward with our refinance. We are eligible for this refinance and would save us {$500.00} a month but Green Tree continues to block the process from moving forward to close. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: First off my wife called to get pay off amount and they told her they would not give her that information. So I signed up on XXXX to see my amount owed it showed {$1400.00} i even got a slip showing thats what i owed a manager called me and even told me thats all i owed. So i go in with my slip to pay it off {$1400.00} and the associate informs me they turned me into collections plus they tacked on {$400.00} worth of late fees then she said the late fees were a mistake and she didnt know how to fix it. Then she gives me a ticket showing the late fees plus she added more late fees to it even though i dont owe them. They are ruining my credit please help me. Thanks. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a Wells Fargo Home XXXX XXXX loan which is due the XXXX of the month. My XXXX payment was due on XXXX XXXX and my payroll direct deposit was XXXX XXXX. I scheduled my payment via Wells Fargo online system for XXXX, XXXX when funds would be available to cover the {$100.00} payment. 

When I received my statement several days later I found that I had been assessed a {$35.00} late fee, which has increased the XXXX payment to {$130.00}. When I call to ask why a late fee was assessed for a payment that was made 2 days past the due date I was told that Wells Fargo does not offer grace payment periods. When pushed further as to why, no explanation was given other than they do n't. The representative said Wells Fargo would give me a one time credit, but it requires me to still pay the {$100.00} plus the {$35.00}. The {$35.00} will then be credited to the outstanding balance. So I still have to come out of pocket for the {$35.00} late fee. 

I have never known a card or loan company not to have any type of payment grace period. Even my mortgage has a 15 day grace period. I feel that Wells Fargo is bilking their customers, and they should be made to stop this practice. Even if all they established was a 5 day grace period, that would be reasonableand fair. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am requesting the date of last payment on a credit card and line of credit from Wells fargo. I have asked for this information via credit reporting agencies and through Wells Fargo directly to no avail since XX/XX/XXXX. I understand that these debts have been sold to XXXX XXXX. XXXX XXXX continues to re-age the accounts. I received a letter from Wells Fargo on XX/XX/XXXX The letter is ambiguously written to avoid answering the DATE OF LAST PAYMENT or THE DATE OF FIRST DELINQUENCY. Their correspondence only states the date the account was closed. This is not the information I need. I need documentation showing the last payment ( i.e. cancelled check ) to prove the date of last payment or date of first delinquency. I need this to understand when the XXXX year statute of limitations begins for reporting the debt. Wells Fargo 's response was ambiguously written to avoid answering the questions. 

Company response: Company chooses not to provide a public response
Consumer complaint: For some unknown reasons, Bank of America closed all of my accounts like checking, saving, and credit accounts. I tried to contact some banking representatives but they explained that my accounts was closed for " business decision '' and they ca n't give any further information. I just need to know what I did wrong so that I can avoid in future banking 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX XXXX XXXX. I been trying to solve an issue with dish network for the longest, i never had dish, my son XXXX XXXX XXXX had XXXX went the XXXX worker come to my house my son live in the garage He ( XXXX XXXX ) ask to install dish my son did n't have a credit card the dish work ask my son to ask me, to make a XXXX time payment, I said ok but that this is not my account the XXXX work said is ok the account would be my son XXXX he sign the contact, I explain this to XXXX, also the colletion XXXX. this company dosent want to hear it my son call then to tell XXXX that this account be longe to him to no avail, they sill would n't take this account off my credit I do n't know what else to do, please help me with this problem sincerely XXXX XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was a Co-Signer on a car loan for a family member. The debt has beenpaid and it is still being reported on my credit file XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Gateway One XXXX calls me several times per day on my cell phone ( as listed on my appliction ) and also calls references such as my family and discloses my financial information to them if I am more than 5 days late on my payment. The major issue is and the reason for my complaint is that they called a customer service number listed online for my employer. So it happens that I am in charge of the Customer Service team that answers that toll free number listed for my employer XXXX XXXX. This is very embarrassing and should never take place. I do not list XXXX XXXX on my application for credit and Gateway One is not doing business with XXXX XXXX so why are they calling XXXX XXXX? Their contract is with me and I should only be contacted at the # i provided to them XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was part of a XXXX company with my ex-spouse, until XXXX XXXX, 2008, at which time I was terminated and released of all company liabilities, present and future. My ex-spouse received the XXXX as his separate and sole property in the settlement agreement. He also completed legal paperwork to have me removed from a XXXX XXXX XXXX business line of credit. The ex-spouse warranted to me that he completed and submitted a Release of Guarantor Agreement to XXXX XXXX XXXX, thereby legally removing me as a guarantor of his companies ' future financial liabilities and debts. XXXX XXXX XXXX claims they do not possess that paperwork, and sold the debt fraudulently to CACH , LLC, who hired the XXXX in Arizona to attempt to collect the debt from me. 

I requested in writing, well within the 30 day time frame, for CACH , LLC and the XXXX to validate this debt, and and my request was IGNORED. CACH , LLC, reported a collection account to all XXXX credit bureaus : XXXX, XXXX XXXX and XXXX. It is my understanding that if the collection agency does NOT validate the debt, they are violating my rights under the Fair Debt Collection Practices Act. Furthermore, since CACH , LLC, has reported information that they know to be inaccurate and incorrect to the above listed XXXX agencies, they have violated the Fair Credit Reporting Act 15 USC 1681s-2 Section 623. If CACH , LLC attempts to pursue a judgement without validating the debt, they are again failing to comply with the Fair Debt Collection Practices Act. This is not my debt. I requested validation, which I have NOT received, yet they are continuing to attempt to collect this debt. I now have negative, harmful and inaccurate information on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I Bought a my car from a dealer I have had my car for almost 3 yrs. now. I have paid all my monthly payments without missing any of them. I am almost done with just XXXX payments left. My car got impounded due to parking tickets and got turned over to the fianc company. I have contacted the fianc company to try to come to any agreement to gain my car back. They have increased the number of months I " owe '' wich is not what I have in my contract which will end on XXXX 2015. I have tryed to call them and asked them for more accurate numbers and all they say is XXXX payments plus additional fees. I have actually agreed to the impound fees and late fee that I have gotten for a few late payments. All iam asking for is a more detailed explanation on the charges and see if we can come to an agreement in regards to recovery the car. Thank you for your Att. 

Company response: Company chooses not to provide a public response
Consumer complaint: See attached docs. ChexSystem has listed several former addresses ( and wrong addresses ) for me simultaneously going back over 25 years. Neither have they given details of several, misinformation reports to my file so that I can correct them. 
This has prevented me from opening a checking account as XXXX banks andXXXX lending institutions report that they " can not verify my ID. " XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was told by the credit bureaus that the original creditor rejected to remove any negative reporting as well as updating my balance to reflect XXXX despite providing me with a letter stating they would do so. I feel the creditor is sending me in circles because when I call to check the status of my dispute and to get more info on the process, they say that my account has been submitted to their sector that handles these claims and there is no way to speak to them and I have to just wait for a response. This has gone on for a number of months and I do n't believe this is legal or right to do so. I feel I have taken the steps provided to me and still nothing has happened. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an insurance claim on my house at XXXX XXXX XXXX XXXX on XXXX/XXXX/15. My mortgage company refusesto release the insurance proceeds. They sent me {$3900.00} months ago but will not release the last {$8000.00}. They keep saying that they will send aninspector but nobody ever calls or shows up. 
I have made all the repairs and I need my money. 
Thanks, XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Penn credit at XXXX is calling my parents and saying they have an important message for someone ( who does not live at the house ), calling many times a day. Caller ID showed Penn Credit as caller. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Payment was made to the original creditor in an agreement letter for a lesser amount than owed. Creditor agreed to terms and cashed check ( electronic debit ) from my checking account. Letter stating this, and all supporting documents were sent to all XXXX credit bureaus for removal. Collection agency who purchased account from a third party refuses to remove information from my credit reports XXXX and XXXX credit bureaus have stated this erroneous information has been verified by this third party collector. Collection agency states they purchased this account from another collection agency. My understanding is they are in violation of FDCPA Sec. XXXX ( a ) and they have used false representation and deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. The original creditor agreed to remove the item in exchange for payment and any adverse information, and then failed to follow through with removal ; they are in violation of FDCPA by using deception. Collection agency also stated they are contracted by the original creditor which is false, once again deception ; this collection agency has no contract with me, and has never sent me any prior information of this debt. I ask that this derogatory information be removed from all " XXXX '' of my credit reports. Thanks for your attention to this issue. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX/XXXX/XXXX Experian -- - XXXX attempts were made by me to receive my yearly credit report ( online ). Both times I received an error message asking me to try again later. No reason, or follow up information was given. 
Experian 's identity verification questions are confusing. 
Some questions were worded in the present tense, asking about bank accounts that have n't been active in a long time, which is very confusing. 
Some questions were impossible to answer correctly. 
Example : " Name the model year of the car you leased or purchased prior to XXXX XXXX '' With XXXX & XXXX BOTH listed as possible answers ... .You can only choose XXXX answer, but I 've purchased both XXXX, and XXXX model vehicles. 

Company response: Company chooses not to provide a public response
Consumer complaint: We paid off our mortgage with Bank of America in 2013 and have yet to receive our home title. We have asked multiple times for our title and have been transferred to at least XXXX different people who are " working on our case, '' they have opened at least XXXX cases for us, but there has been no resolution and no response from anyone at Bank of America letting us know the status of our case. We try to contact them via the email and phone numbers they have given us, but they do not answer. We have had our attorney contact Bank of America and they basically denied any wrongdoing ; they claimed that this was due to XXXX XXXX XXXX and a missing assignment. It is not our fault if BOFA sold our loan to a third party or lost it. It has been over two years since we have paid off our loan and Nevada state law requires the owner to receive their title within 90 days of being paid off. We are worried we will never receive it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been paying extra money each month on my mortgage. This month I received a check for {$420.00} as a a reimbursement for escrow. My escrow amount was also increased which makes no sense at all. I have made several attempts to discuss the issue with Freedom Mortgage Corporation, XXXX XXXX, XXXX XXXX XXXX, XXXX CA XXXX. I have been placed on hold with no one returning to the line as well as sending an email which I receive no response. I believe that charging this much escrow for no reason is a ridiculous use of my money. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: CREDENCE RESOURCE MANAGEMENT, LLC with Phone # XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, is continuously trying to collect a debt from me that is for a person with the same name as I. We have gone through the process with them of verifying that I did not ever live at the address in question and last XXXX digits of my Social Security Number do not match but they continue to repeatedly call. I have checked my XXXX credit report and no debts show up in collections. As of today they have somehow got hold of my company cell phone number and have called me on again about this debt. Each time they initiate this procedure they act like it is their first attempt to collect this debt. This is not the first time this has happened, I am assuming this company purchased this old debt form another debt collection agency. I had written the prior agency to inform them the debt is not mine and to end all contact. I am assuming this will continuously happen again if I do not report this to the proper agency because this has been going on for over 3 years. 

Company response: Company disputes the facts presented in the complaint