AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Freedom Home mortgage acquired our loan from XXXX XXXX company beginning this month. My husband, XXXX XXXX, is listed on the mortgage with me. When I contacted the office as they state they are unable to locate my insurance information, I was advised they do not have me listed as a borrower and will not speak with me. Advised that I have the loan paperwork showing otherwise and they should produce the original documents which they were unable to do so. They now are not paying the loan insurance that is due to our insurance carrier from our escrow account. 
Now they are informing me that they are not listing me as a borrower on the account regardless. Please help! 

Company response: Company chooses not to provide a public response
Consumer complaint: The eversource company has continued to try and collect a debt from me from an account that was opened in a nearby town in 2014. They sold the collection to collection services, knowing that I believed the account was fraudulent! In 2014, I still lived at home and I was still a minor under the age of XXXX. I have called them numerous times, and they have said time and time again that they would not try and collect the debt anymore. Now it keeps showing up on my credit report, even though I never opened the account to begin with! My ID and plenty of paperwork proved that I did not live in the billed city and I was not of legal age to even open an account. I do not know who stole my identity but I want the debt cleared. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: We previously had services with XXXX and we were told after we terminated services with them that we still owed {$330.00} for services that had accured after we paid our last bill. These charges were claimed by XXXX after we terminated services, paid our final bill and returned all XXXX equipment. The account number is XXXX. We strongly disagree with what XXXX is trying to do and feel it is unfair. We can not pay this bill due to insurmountable curcustances, and the fact that this bill was presented by error. However, we agreed to pay them anyway as soon as we got our refund gift visa card from XXXX between the end of XXXX to the end of XXXX. They keep harrassing us for the past several weeks with daily phone calls by demanding full payment immediately. We have explained our circumstances to them 2-3 times, yet they keep calling XXXX+ times a day. The number of the collection company, ACSI XXXX collections, is : XXXX. Please stop these harrassing calls! 

Company response: Company chooses not to provide a public response
Consumer complaint: I do not know if this is a legit debtor, I received an aggressive call asking me to pay. It appeared legit and thus I paid the attached charges in full 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Sent a cease and desist letter to convergent debt collection agency on behalf of my mother XXXX XXXX who is in XXXX..she has no money and lives on ssi..they continue to call everyday. .throughout the day several times throughout the day as well. .do n't know what else to do. .I 've tried explaining to them her situation but they still are harassing her for money. 

Company response: Company chooses not to provide a public response
Consumer complaint: Every day, sometimes twice a day, I get an autodialed call from Central Credit Services stating that " This call is for XXXX XXXX. If you are not XXXX XXXX, call XXXX. '' I called the number numerous times and explained that I am not, nor have I ever heard of a XXXX XXXX and to please remove my number from their list. I called the number again this morning after I got yet another call from them. This time their mailbox was full and I could n't leave another message. I believe this is harassment as they call early mornings and I 'm an older person. The only thing I can see that XXXX XXXX and I have in common is our initials. The gender is not even the same. It does n't look like they have any intention of stopping these phone calls. Oh, and at XXXX point the automated message says, " if you continue to listen, we will assume you are XXXX XXXX '' or something to that effect. The problem is, you ca n't disconnect. If you hang up and pick up the phone again, the recording is still going until the end. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to get Wells Fargo for about 6 years to fix a credit bad report mark on my credit report from XXXX. They have continually used stall tactics and discounted the information that has been provided to them that proves that MY PAYMENT was made ON TIME actually EARY and in GOOD FAITH from XXXX/XXXX/XXXX. They have never given me a reason why they returned the payment to my bank account without MY Knowledge. However in Early XXXX an employee of theirs XXXX XXXX who no longer is employed there told me by phone that she had traced the payment to ESCROW but at that time could not tell me where it went from there. It was not until much later and on research of my statements that the returned payment was found in my bank account. Again without my knowledge. I would have immediately returned the " Payment directly back to Wells at that time but Wells would not remove all the penalties interest and fees that had accumulated and the payment would have been taken first to provide for the fee coverage 's NOT applied to my Mortgage. I did finally however repay the missing payment along with " some of the fees in XXXX XXXX in order to have my credit to show current on my mortgage at that specific time as I was instructed to do. They have continually refused to clear the bad remark on my credit and clear past late fees and penalties from my mortgage account. This has caused me great financial harm. 
I have continued trying in many ways to get this issue resolved so that 1. my credit can be completely 100 % restored 2. That I be made whole since none of this was of my doing including all penalties and fees cleared. 
3. my payment had been made on time ( actually days ahead of the due date ) and in good faith. 
4. my refinance can occur to a lower interest rate including some equity disbursement which has been my ultimate goal. 

I first filed a complaint with CFPB in XXXX all complaints listed on my account are concerning this Wells Fargo Issue. XXXX has provided everything they can from their end that shows this payment INFACT was made in a Electronic Batch Transaction straight from XXXX to Wells Fargo on XXXX/XXXX/XXXX. I have sent Wells Fargo everything from XXXX however I received a call two days ago stating that Wells Fargo will not accept the information provided BY XXXX. Please Help Me 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a XXXX mortgage with Wells Fargo. They have tried everything toforeclose on my mortgage illegally. I was denied a loan modificationseveral times. Many of my payments went unreported. 
I sent for information from them on my mortgage, they neversent anything. I filed Bankruptcy and they would not comply with thecourt. They ignored every request from the courts and from myattorney. I asked them again for a modification and they soldmy loan to XXXX XXXX XXXX XXXX XXXX XXXX LOANS 

Company response: Company chooses not to provide a public response
Consumer complaint: I am behind, but working toward catching up. I have XXXX payment in dispute. XXXX XXXX I received a check in the amount of a full mortgage payment. Dietech sent a letter dated XXXX XXXX, 2015 and check dated XXXX XXXX, 2015, stating the check was a refund of my XXXX 2015 mortgage payment ( which they cashed on XXXX XXXX, 2015 ) due to not begin enough to reinstate. I looked on a monthly statement and it said as of XXXX XXXX, 2015, I was 135 days delinquent. That is not true. Dietech removed a payment from my account- sent out a check- and then listed my account over 120 days due. I still ca n't believe that they would be so brash to out-rightly due that? I have no intention of cashing the check they sent me, it 's not mine. I made my payment, and made another that they are still holding. I do n't like to my insinuations but why would they do this other than to force my account into 120 days delinquency so they can start foreclosure? Why did they remove a payment from my account, when it was received back in XXXX, and it was as I send all of my payments with mailing proof of receipt. I am extremely stressed over this situation and certainly think action should be taken. How many more people have they done this to? It 's not right. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was approved for mortgage with bbt bank, given closing date of XXXX, then XXXX, now no date.I am given XXXX poor excuse after another.bank has everything but still no date to close causing hardship and stress on me, the seller and related.I am going to be homeless, XXXX is ruined, incurred additional expenses because bbt bank ca n't or wo n't do their job 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a credit card with Bank of America. I opened an account with the Bank XX/XX/XXXX. During that time I have had many issues with fees being charged. After opening my account, I got a credit card associated with the checking and savings account. I closed all of my Bank of America accounts XX/XX/XXXX, but I kept the credit card. 

I made a payment of {$200.00} on the credit card account, attempting to use their billpay service as my payment service through my primary bank, XXXX, can be unreliable. For some odd reason, the system was n't taking my information so I abandoned the efforts to use their account, re-entered all my information through XXXX, and made the payment through XXXX. Bank of America took the XXXX payment, but then also tried to process the second payment. And charged me a returned check fee to boot. Notably, I was NOT using a check, merely their payment system, which failed. 

The bank then closed my card at some point ( I am not sure when ; the account appears open online, but I was transferred to collections when I called about the fee ), and they are refusing to refund the fee. They even refuse to tell me who to contact to request that the fee be refunded. I 've made XXXX separate requests and been transferred to numerous departments. 

Company response: Company chooses not to provide a public response
Consumer complaint: Personal Information Errors : Wrong name listed and Address I 've never lived at or used as a mailing address : XXXX, XXXX, XXXX and XXXX XXXX XXXX is the wrong name listedXXXX XXXX XXXX XXXX XXXX, TX XXXX is the address I 've never lived at or used as a mailing address. 

Personal Information Errors : Wrong name listed and Address I 've never lived at or used as a mailing address. 
This information is on my credit report and it is incorrect. That is not my name and it never has been and I have never used that name. The address is incorret as well, I have never lived or been to that address. I have never lived in XXXX tx. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made my mortgage payment over the phone with automated system and authorize them to charge withdrawal from my bank {$1700.00} for the month of XXXX but when i checked my bank statement they had withdrawal more than the amount i authorized which was {$1700.00}. By them doing this it put me on overdrawn on my account which i was then charge a {$30.00} courtesy fee. I called they said they were going to refund me the amount and i would get a call from someone to verify this but i never received a call. I called them today again and they say they no where in my account does it say i 'm getting refunded. This is not the only time i had to pay extra money because of them last year i had to pay penalty fees on the tax payment they did n't make. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a fraudulent balance transfer on my credit card. US Bank refuses to give me the info about the transaction that I am entitled to according to Public law 108-159. I was told I would have to get a lawyer to get a sepeena. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was working for a small business, via an online portal, based in XXXX Texas ( over 4 hours from my location ) and the owner used my information to open fraudulent credit accounts with XXXX banks, XXXX XXXX and XXXX XXXX. The account with XXXX was resolved and subsequently removed from my credit report. However, the Security team at XXXX XXXX did not resolve the fraudulent account and continues to report negative information on my XXXX and Experian credit reports. 
I have documents showing that I do not and have not lived at the address listed on the XXXX XXXX accounts. I have a notarized document signed by the individual who opened the accounts and claimed responsibility for them. I have the case # documented from XXXX County Sheriff 's Office when I reported the fraud. 
Please assist in disputing XXXX XXXX 's claim that I am responsible for the account in question. I have never, and based on this experience ( going on 2.5 years now ) will never do business with XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: The bill was paid to receive new services through same XXXX utility systems so why they have not reported that it is resolved I do n't know! I currently have service with them now! 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter from Polaris Home Funding Corp as a solicitation for consolidating my credit union mortgage loan and credit card. The letter was deceptive and clearly and attempt by the sender to make it seem as if the credit union had sent the offer. Here are some bullet points : * The envelope did not contain a return address identifying the sender of the letter* The letter was not on letterhead identifying the sender*The letter contained the name of my credit union in large font in the body of the letter but only identified the sender of the letter in small font in the footnote* The heading of the letter was " IMPORTANT NOTICE! PLEASE CALL IMMEDIATELY ''. This made the letter look as if I had a problem with my credit union account. 
* The letter stated " Due to recent guideline changes '' again a reference that made it seem as if the letter was from the credit union as it did not identify who made the guideline changes* The letter indicated there would be a high volume of calls and to reference my account number when I call. This is a method to make it look like it is a credit union account number. 
* The letter references a rate reduction " program '' and uses word program without going into detail as to what it constitutes other than a lower rate or whose program it was. 

The letter was deceptive and a clear attempt to make it look like it was endorsed or sent by my credit union. I have included copies of the envelope and letter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: To whom it may concern : Allied Interstate is attempting to collect a debt that was included in the bankruptcy which was discharged XXXX/XXXX/2015. This is the second time that a collection company is attempting to collect this debt for XXXX. 

About a month ago, I filed a complaint against Allied in XXXX XXXX, Nevada who even reported me to the credit bureau causing my score to plummet XXXX points. Because of the CFPB, Allied removed it from my credit report, however, the score never fully recovered. 

This is harassment that I am getting 'bounced around ' from XXXX collection agency to the next. Attached is the letter they sent me. I spoke with XXXX and XXXX yesterday regarding the bankruptcy. I hope this is the final letter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I moved out of apartments and paid my last month rent and move out fees. They accidentally applied my payment else where which in turn sent my balance to a collection agency. This happened in XXXX of 2014 and I still can not get it cleared despite them stating they made the error and have said it was fixed twice. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: bait and switched savings account and money market account resulting in fees if minimums not met 

Company response: Company chooses not to provide a public response
Consumer complaint: Enhanced Recovery Corporation has harassed me about a debt that appears to be for a month XXXX. I have explained over the phone and by mail that I have never had dealings XXXX ( I am a long time XXXX customer ) and I have never lived at the address or known anybody in the neighborhood where the service was allegedly provided. I thought the matter was settled, but have recently been alerted to negative credit information posted by them to XXXX against me. 

This is either a case of gross incompetence or outright fraud by Enhanced Recovery Corporation ( given the large base of customers XXXX it would be easy to send out mass mailings accusing people of missing a payment and scam money from them ). I think this deserves investigation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a new job and had to move to another state. I put my house up for sale and soon realized that the value of the house did not match what I owed on the house. I have submitted multiple requests to US Bank to do a short sale or deef in leiu. There have been multiple issues trying to do the short sale. First issue it took too long ( close to 6 months ), buyer removed purchase. XXXX issue was US Bank would not send out an appraiser and buyer walked. Third issue US Bank wants full amount on short sale and buyer walked. I 've also asked to do a deed in lieu but have been told that since First legal has occurred deed in lieu is not an option. 

Company response: Company chooses not to provide a public response
Consumer complaint: Towne Mortgage, DBA AmeriCU XXXX # XXXX, originated and " manages '' my mothers FHA loan, which I am authorized to manage, handle all business, and make the monthly payments on. Every year, Towne Mortgage slaps a ridiculously expensive XXXX insurance policy ( highly profitable for them ) on my loan that makes my monthly mortgage and escrow payment go from about XXXX dollars per month to over XXXX per month, which we can not afford. This policy is completely unnecessary for FHA ( I know, I spoke with an FHA representative during the time the loan was closing ), as the master insurance policy for our large association covers the interior of all of our units, per the developer-written bylaws of the association. These bylaws have never changed meaning none of us with loans needs an XXXX policy. My neighbors have loans with other large lenders like XXXX XXXX and in talking with them none of them have to go through this year after year with their lenders. I provided this information prior to loan closing, and have provided the online link to the association documents in the past when this happened before, so it is not like they do n't know this. I have a saved email from XXXX of Towne Mortgages employees who fixed this problem for me several years ago PROMISING this would never happen again, yet is has. I will attach that email. Consequently I have withheld my XXXX, XXXX and XXXX payments until the insurance is cancelled retroactively, a new mortgage analysis is done to return my monthly payment to the correct amount, and all late charges are removed from the escrow account. What is most frustrating is that all the times I have tried to communicate this problem to Towne Mortgage in the last months NO ONE other than collections will return my emails or fix this. When I send a form in on their website XXXX no one ever responds to it, when I signed up for their encrypted email and send them a request to remove the insurance off the loan the XXXXXXXXXXXX is restricted and the email gets rejected. When I call and ask the operator for someone, anyones email that can help me, they always tell me to send it to XXXXXXXXXXXX, and guess what happens? - NO ONE ever responds to me. Since I can not get any help, I am sending via certified mail my XXXX XXXX and XXXX payments of XXXX to a person whose name I got who is the manager of loan servicing along with a copy of this complaint. Her name is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Enhanced Recovery Company continues to add a debt to my credit report that I do not owe. I have disputed it twice, and Experian removes it, but the next month or more it is back on there. When I called Enhanced Recovery Company, I was told that I owed XXXX. I have not had XXXX in 10 years and I do n't believe that XXXX would have waited 10 years to inform me about a debt. I left XXXX in good standing. My current credit score is XXXX. I am beginning to get really upset that I have to continue to dispute this false debt. It is negatively impacting my credit score. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have successfully gain a loan modification now over 6 months with Select Portfolio Servicing ( SPS ) through the assistance with XXXX XXXX Law Offices. I have documentation of the completion of the loan modification process and closing. I have abled my trust and confidence to re-establish creditworthiness with SPS and agreed to the terms of the contract, loan restructure and acknowledgements thereof. SPS states to me after I successfully completed the process only after my inquiry because of my BK filing 8 years ago ( discharged ) that they are not required to report and have no intentions on reporting my monthly payment history according to the current agreement. This was my last conversation I had along with a third party ( XXXX XXXX XXXX ) at Law Offices to speak with SPS authorized to speak on my behalf. I find this to be a major setback, not able to regain and build my credit and it restricts me from my efforts in paying on time and agreed. 
I absolutely love the new loan and the fresh start and feel I 'm getting robbed of the benefit of paying as agreed. I would like resolution for SPS to report my pay history to the bureaus each month according to how I am paying. If this can not be achieved, I am open to other options, ie stated letter every 3 months of my pay history so I can forward to the XXXX credit bureaus so they will be updated. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I paid off a loan over three years ago with Citibank, they are reporting me late every month for the last 3 years since been paid off and filing a satisfaction. I have called there and submitted documentation numerous times all of which gets " lost '' : I was provided a confirmation number of XXXX and was told that they would get back to me. This has been going on for over a month and I have been hung up on and given numerous wrong telephone numbers to departments that all claim they are not handling the issue. All i ever asked for is a letter to simply state that I was not late on my mortgage. I am paying a late fee everyday on a purchase contract that I am unable to close on while i wait for them to complete their investigation for an account this states its paid in full when you call them, I have sent them the satisfaction they filed. 

Company response: Company chooses not to provide a public response