AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Prior review to a compliant that I had received a check due asc put forced insurance on me when I had homeowner insurance asc was getting kick back by place every client on forced insurance and there was class action suit well I was told since I was under review the money went back to escrow since my house is sold during a review the week XXXX day prior I sent doc of course missing doc, I want my check that due to me, next issue the bank was using a higher appraisal then discover after the fact there was a lower appraisal by XXXX lower and admitted that they should have use that after the fact that discrimination the that I 'm XXXX and my son is XXXX between all income totals up XXXX XXXX dollars a month so I was n't sent a letter of the sale date prior to it happening and suppose a there were deadlines where the letters stating that where the copy requesting a postponement of sale date to there lawyer, I was told over the phone that is n't legal and when I asked about the escrow I was told I do n't get it back, I do n't place the force insurance I had insurance that was paid for I want that money back asap they promise XXXX Mos of good credit history never happen 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Director XXXX 

I want contacting with Director XXXX about Bank of America's XXXX that I posted "I informed U.S. Senators and Speaker XXXX that I filed complaints with Federal Deposit Insurance Corporation finished" that XXXX knows better reporting to U.S. Senators and Speaker XXXX included all my filed documents must forward to U.S. Senators and Speaker XXXX immediate procession from Federal Deposit Insurance Corporation requests to help me out with moving other bank from Bank of America to XXXX or XXXX, stopping Bank of America uses overdraft fees.   Bank of America hated my appearances and XXXX which Bank of America made made their opposed to XXXX" issues  they do not interest in me with Bank of America account.   I seek for authorization official helps me moving from Bank of America to other bank called XXXX or XXXX immediate of between XX/XX/2015 to XX/XX/2015, please let me know.  Please Official picks up me bringing to other new bank urgent with serious matters at formal filed requirement.  

Let U.S. Senators and Speaker XXXX knows requirement charges coping to Male Attorney in serious charging requests.
Company response: Company chooses not to provide a public response
Consumer complaint: In 2010 I went to the emergency room. I gave them my insurance card and all pertinent information. I received a notice from my health insurance company that the claim was submitted but to the wrong address ( state ) -- it should have been submitted to PA. The insurance company sent them a letter DETAILING how to correctly submit the claim. I called and went over all the information again and explained their error. THEY RESUBMITTED TO THE WRONG STATE AGAIN. They were contacted again and the claim was NEVER RESUBMITTED. I have NEVER been without health insurance in my life. I have already disputed this on my credit several years ago and nothing was done except to put a comment " account in dispute ''. Thank you for all your help. XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My son, XXXX XXXX XXXX who is now XXXX and soon to be XXXX has an incorrect negative report on his Experian Credit Report. This debt of {$89.00} was a debt of his parents, XXXX XXXX XXXX and XXXX XXXX XXXX which has long since been satisfied and quite honestly was sent to collections in error on the part of XXXX XXXX for XXXX XXXX XXXX. XXXX XX/XX/XXXX at age XXXX and at no time was he legally responsible for the many medical bills from this XXXX. XXXX XXXX wrongfully put this on his credit report and XXXX and I are disputing this. He 's had a rough go of it with XXXX more XXXX in XX/XX/XXXX and XXXX. He 's good and attending college now and starting off life with a negative on his credit report when he has n't even been able to establish any credit which is what he is working on. We would appreciate any and all you can do to expedite this as his parents are buried in medical debt, but he should not have to suffer from that. 

Thank you, XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: they deleted it now it back on this was never my account identity theft, fraud ExperianXXXX XXXX XXXX XXXX, TX XXXX XXXXAccount numberXXXXRecent balance {$720.00} as of XXXX/XXXX/2015 

Company response: Company chooses not to provide a public response
Consumer complaint: Our Mortgage was sold to Green Tree Servicing in XX/XX/XXXX in the process at the time we was in chapter XXXX and I talk to someone at Green Tree and I ask them once we become discharged can they refinance my home because our APR is 10.50 and she said they will see well we was discharged in XX/XX/XXXX so we had some hardship my husband lost his job XX/XX/XXXX they gave me a deferment but the problem with that was my husband is a truck driver and the weather was bad last winter when he found another job so I had pay things by myself so I get tired of Green Tree sending people to the house trying collect a house payment so XXXX XXXX I talk to XXXX XXXX at XXXX XXXX XXXX and she talk to Green Tree trying get our house payment modified but they said they could n't do it because our home is XXXX XXXX XXXX and they do n't do government loans and we had to do in house get our home modified and the lady we need talk too is XXXX at XXXX EXT XXXX for modification and she the only person that can handle I call this lady about XXXX times a week and leave message but she do n't return no calls so I spoke to someone at green tree and the answer they gave me is keep trying because she the only person that can handle my loan please look into this for me because it do n't showed on my credit that I do own a house my account representative is XXXX XXXX at XXXX ext. XXXX account number is XXXX and I be talking to her so I ask for another deferment to catch our payments up and her manager did n't approved it they tried place me on payment plan to pay XXXX for XXXX months I ca n't afford that my payment a month now is XXXX the reason why they did n't approved it because we not facing any hardship and they hate waste a deferment when we do n't need it 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am in the process of refinancing a current XXXX XXXX home mortgage with a company called Forthright Funding ( mortgage broker ). They are located in XXXX. I live in XXXX XXXX. I am refinancing to eliminate the PMI. Forthright had the most favorable terms. I sat with a notary signing the papers and the fees had increased by almost {$1600.00}. I contacted Forthright and the told me {$600.00} was extension fees by XXXX ( lender ) This was never disclosed to me. In addition the employee of Forthright did not disclose a {$900.00} fee for underwriting. The employee admitted he failed to include in my estimate. I spoke the the President of Forthright and over several calls he told me he was sorry but they were not going to do anything. He stated he had discussed with his attorneys and they did nothing wrong. 
I want them to stand by their initial fee proposal. The extensions were not because I failed to comply. They also are telling me that XXXX had notified me if the extension fees. They did not. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX has never been my account identity theft, fraud 

Company response: Company chooses not to provide a public response
Consumer complaint: I attempted to open a bank account with Wells Fargo and was denied. I was advised that my denial was based upon a reporting to XXXX by XXXX XXXX XXXX. I asked if it was reported to XXXX because I have monthly alerts from XXXX and there is no record of XXXX bank on my credit report. The Wells Fargo representative stated that it was not XXXX because if it was I would still qualify for a XXXX chance account. He gave me a paper to contact Experian and was certain that the reports to the credit bureau was the reason for my denial. I pulled all XXXX reports and there is nothing reflecting XXXX bank. May I please know the accurate reason why I was denied an account so I can attempt to resolve the issue? 

Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Violation of the California Homeowner Bills of Rights : PennyMac violated automatic stay rule while modification in process ( Notice of default XXXX/XXXX/15 ) Notice of Sale ( XXXX/XXXX/15 ) for an auction date of XXXX/XXXX/15. During this time period, my loan was under modification review and I was told that the foreclosure was suspended. After being rejected, I submitted the paperwork for a second review within the 30 day time period. I never received status on the results of the review. I was told by one PennyMac individual it usually takes a " long time '' and then by another individual that I need to " re-submit an entire new modification package ''. 

Not assigned XXXX person throughout process ( talked with XXXX people and received different status and direction from each ) they said they were part of a team however all were unfamiliar with my loan status or able to give me proper direction. 

No access to decision makers ( and their Supervisor ) only through voice mail in which the messages were never returned. Furthermore, I never received status of XXXX-look. representatives from PennyMac were never able to reach the decision makers because they were always in " meetings '', " on the phone '' or " unavailable ''. 

Delay of entering documentation into system : The documentation would be sent through a fax cover sheet provided. They would say that it takes 48 to 72 hours to receive into the system. In the meantime, it is eating away at the 90 day time period because of the delay. I was required to proactively call as all documentation would not move to the next person unless you contacted them. 
Knowledge of California State law : When I received the Notice of Default, they were unable to discuss the time-line with me because they were " not familiar with California Law '' 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a HAS account set-up with Wells Fargo since XX/XX/XXXX. Starting in XX/XX/XXXX, I started to pay a monthly maintenance fee of {$4.00}. In XXXX, I decided to move the balance to another provider who would not charge me the monthly maintenance fee. The balance was transferred from Wells Fargo and they ended up charging me another {$25.00} account closing fee. This fee was never disclosed to me nor has the customer service reps at Wells Fargo been able to provide me with a reason for this fee. I am left with no option but to try and recover this overcharge by this bank via the Consumer Financial Protection Bureau. I keep paying fees to this bank and there is no end to it. 

I have also tried to get into the Wells Fargo account information online but the firm has turned off all my access to it and I am unable to attach an online statement for your review. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a mortgage with XXXX in XX/XX/XXXX my payment was only XXXX a month owed XXXX Us Bank took over the loan in XX/XX/XXXX they said I owe XXXX and payment of XXXX a month WRONG. never signed a note with this US BANK just send payment to them. 

Company response: Company chooses not to provide a public response
Consumer complaint: INTERNET COMPLAINT RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX, WA, XXXX Phone : ( XXXX ) XXXX Email : XXXXXXXXXXXX Name/Firm/Company : ocwen loan servicing Subject/Category : mortgage modification process Street Address : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, FL XXXX XXXX XXXX Phone : ( XXXX ) XXXX Website : XXXX Questions/Comments : My family and I are experiencing a financial hardship. I have been trying to process a modification application for the last 6 months and ocwen has made it impossible. 
Ocwen has refused to process my application. Ocwen continually looses documents that my wife and I submit to them for the application process. 
Then when I verify that they have received the documents, they ( ocwen ) will switch my process application to a different account manager who has to start the process all over again. Again this has continually been going on for 6 months. 
This hardship is due to loss of employment as I had to take an early retirement which resulted in a loss of substantial income. 

The desired outcome is to have ocwen financial services process a mortgage loan modification plan which would substantially help our family through this financial hardship 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage company will not automatically terminate my Private Mortgage Insurance even though the balance of my loan is well below 78 % of the purchase price of my home. They want me to authorize and pay for an appraisal which according to the law should not be necessary and I have refused. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I can not believe that Wells Fargo has made such a huge error and reported me late on XXXX 2015 when I made a payment. This brings me to question and dispute all the late payments they are disputing and I wonder how many times I made a payment and they still reported me late. This is not fair and for someone who is trying to get caught up on this student loans and do the right thing, I ca n't seem to get ahead because of the blatant error made by Wells Fargo. I am in the process of applying for a mortgage and this is now delaying the entire process. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had XXXX accounts that were an obvious data entry ( cut & spate ) error. I had a Bankruptcy and filed a XXXX for my car loan. All information was provided to the credit unions. A XXXX is a document that makes a loan outstanding Exemt from the bankruptcy. I signed a document stating I would pay my car loan as agreed. I ordered a copy of my credit report and it showed Pay Status paid as agreed. However, it comes up under adverse accounts because the remarks show chapter XXXX bankruptcy. I paid my car loan on time for XXXX years. Which is reflected on the account. Why then does it appear under adverse accounts and chapter XXXX. I disputed this and was sent the investigation results. XXXX loan was deleted bcz it was not mine. The XXXX XXXX loan pay status no longer shows paying as agreed. Now it says account included in bankruptcy. This is ridiculous. I was denied credit by the company I paid my loan to for XXXX years on time and extra money, XXXX XXXX. They denied me for poor performance on loan. What are they talking about. I have bank statements and previous credit report showing on time for XXXX years. I believe they are punishing me for my XXXX year old sons XXXX XXXX account poor performance. This should be illegal. 

Company response: Company chooses not to provide a public response
Consumer complaint: We took out a XXXX mortgage with Green Tree for our childrens school and medical bills. ( I 'm on the XXXX at the University XXXX ) I have written, called, Green Tree so many times and have gotten no response. All I wanted them to do is lower my interest rate of 9.65 to even 5 would help. I have never been late on a payment but its getting harder and harder to make those payments especially when principal is only XXXX from a payment of XXXX. Any help would be appreciated. I have told them when the transplant happens we may not be able to afford this with the medications being so high. I have NEVER heard back from them ... XXXX and XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I went to XXXX XXXX XXXX GA XX/XX/XXXX I signed documentation to take out a private student loan from XXXX XXXX I was forced to withdraw from school in XX/XX/XXXX of the same year. without completing my XXXXr of school. In the ledger documentation the school says the received XXXX from the lender and XXXX was refunded, for some reason first associates aka XXXX says I owe them XXXX I called to inquire about this amount and they can give me no information since they took control of the matter XX/XX/XXXX ( interest rates disbursement amounts and dates ). so no idea were this extra money came from. and there is no way that it accumulated XXXX dollars in interest in 2 years unless there is unfair lending practices. XXXX XXXX should have sent every dime back considering that I had fed loans to cover the lil I went to school. It has destroyed my credit and I do not know what to do about it. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: As a way I am sure to make banking " more convenient '' my bank, Bank of America, now allows withdrawals from their teller assist ATMs with just a drivers license. Since this transaction is not conducted with a debit card the normal consumer protections allowed under REG E apparently do n't apply. A fraudulent ATM withdraws of {$1200.00} was conducted using just a drivers license as a form of authentication through their new ATA machines in a locale I have never visited over XXXX miles away from my home. When notifying them of the fraud the next day the bank explained this case would be treated as identity theft instead of a fraudulent transaction and would follow a different investigative course and remedy. Meanwhile we are out significant funds as the bills mount while an investigation takes place. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a legal item listed on my credit report that I paid and is listed as paid but I can not seem to get anyone to help me take care of it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am approximately 1 week late on a loan from Loan Me and they have consistently called me at least 6 to 8 times per day since XXXX XXXX from various phone numbers. I have emailed their representative advising him that I lost my job and need some time to contact them by the end if next week to make a payment arrangement. These collection calls are very aggressive and predatory. 
I do not know how to stop them from calling my phone all day and night!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Me and my wife were unemployed since XX/XX/XXXX and both got job XX/XX/XXXX. Bank of America, unwilling to help with past due amount of $ XXXX, even we have a equity in the house for over $ 200K and accelerated the loan and filed for foreclosure. They have done the same scam in the past with different home, pushed us chapter XXXX and chapter XXXX bankruptcy and now they are trying to push us in chapter XXXX bankruptcy. The Bank of America ( BofA ), ripping a part of family with XXXX little XXXX XXXX children involved. The BofA, keep changing single point of contact, asking same documents multiple time, accelerated the day we got the job, coming our house, keep taking pictures, sending people, realtors to my house and listed in the court house for foreclosure. The BofA, got lot of federal assistance and unwilling to help XXXX XXXX citizens. We need assistance in modifying past due amount to catch up and please help us in stop the foreclosure & scam of BofA. As we all know US Attorney general sued BofA for irregularities of XXXX XXXX dollars grant by XXXX XXXX US Attorney general. I called making home affordable.gov and various other federal and state agency I see no hope of help to XXXX XXXX citizen family. I can be reached at : XXXX and my email address is : XXXXXXXXXXXX. We need your department help and save XXXX XXXX citizen family kindly. We do not to become homeless, loose life time savings of $ XXXX. The BofA, deliberately ruined our credit by not providing help and assistance even when they federal money sitting in there bank to help american citizen. President Obama, giving money to banks, but the banks are not helping. Please help. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, I would like to file a formal complaint against Experian due to their inability to fix an error in their system that prevents my credit score from appearing. 
To give some background information, last year around this time I moved to XXXX, IL and I applied for apartment. To my surprise there was an error and I had to pull up my credit score information to send to them. I checked all XXXX on XXXX and I also received an error from experian, but was able to pull my information from the other XXXX reports. I did n't think anything of it and the apartment company was able to accept what I had submitted from the other reports. 
This year I decided to move to a different apartment complex in XXXX and the same thing happened again. I went online and tried to pull up my credit through their website and it would error out when it was processing every time I hit submit. This time I knew there was an issue and I decided to call them to figure it out. I called the automated system and received an error and was given the run around when I tried to find an option to speak with a representative. I managed to find a number for their customer service for people that was n't to sign up for their services. After speaking with XXXX different representatives including a supervisor, they all gave me the same generic answer that they would n't be able to assist and I would have to call the other number. I told them I called that number and that I was unable to talk with anyone since it was all automated and they insisted that I would eventually talk with someone that would be able to help me. They were wrong and I kept calling the number telling me to go online or mail in a form with identification. I went through everything I could online and with no help from anyone over the phone I 'm not sure where to turn. Please if there is anything you can do to help it would be greatly appreciated. I 'm not concerned about my situation so much this year as I am in the future when I would have to have a cosigner for everything when I worked so hard to have an excellent score through the other companies. 

Company response: Company chooses not to provide a public response
Consumer complaint: This collection is still on my credit report after I was told the balance is {$0.00} by the original creditor. Fidelity collection refuses to take it off my credit. It 's still on there as open. It is causing me to not be able to purchase a home. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: My husband and I purchased a gym membership with XXXX XXXX in XX/XX/XXXX. The gym went out of business on or around XX/XX/XXXX without any notice. The gym reopened under a completely different name ( XXXX ) and ownership. XXXX XXXX charges a monthly membership of {$20.00} per member per month.. I requested to dispute the charge for the remaining gym membership worth {$520.00} and XXXX training sessions worth {$180.00}. I received a call from Wells Fargo dispute department last week advising my dispute was denied by VISA because the gym services are available at the same location and because XXXX XXXX reopened the location and agreed to honor my previous gym membership. As a consumer I do n't think I should be forced to belong to a gym that I did not sign up with. 

Company response: Company chooses not to provide a public response