AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I inherited a condo from my mother after she passed away. Bank of America holds the mortgage on it. In summary, after sending in the executor information multiple times ( I even walked them into a branch and received documentation that they received ). Bank of America continued to say that I had not sent the docs and would not take payments from me as I was " not an approved person to speak to ''. As a result, I not only incurred XXXX of dollars of late fees, but ultimately the loan was put into foreclosure. I was finally able to pay the balance, but in the end have incurred over {$1200.00} of fees because of their incompetence, let alone the hours and hours and hours that I spent trying to rectify this. While I am now received statements and am able to pay the loan, if I call to ask any questions - for example, I 've been trying to set this up for payment on line -- they still insist that they do not have any of my documentation and they ca n't help me. The loan has now been sold to XXXX XXXX, who is saying that they ca n't speak to me because they have no documentation that I am the executor. I am copying you on a letter that I sent to XXXX XXXX, the CEO of Bank of America, both by email as well as in hard copy on multiple occasions, with no response. My ultimate objective is to 1 ) be sure that the banks acknowledge that they have my documents stating that I am an executor and that they can talk to me/take payments from me/set up on line payment with me, and 2 ) receive a refund or credit of the over {$1200.00} in fees I incurred over the course of this process. If I was not as persistent, aggressive, and knowledgeable as I am, I may have lost the condo to foreclosure -- it occurred to me that there could be XXXX if not XXXX of people that would not have been as persistent nor had the knowledge to get something done, and would have unnecessarily lost their home -- this is unacceptable! That combined with the fact that I 've had XXXX response from anyone with the multiple complaint letters and phone calls I 've submitted is truly scary.. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company is contacting daily for a deceased person 's debt. They have also left messages on an open voicemail service, so I was able to learn about the debt. They are also calling other parties constantly. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I disputed with Experian a collections account that was placed on my report by a company called XXXX XXXX XXXX ( opened as of XXXX XXXX ). I have never heard of this company nor had any business or contact with this company other than this entry showing on my Experian credit report. I only found out about this entry due to an alert from my credit monitoring site showing that this negative item was placed on my Experian credit bureau. 
I do not believe that Experian conducted an adequate and fair investigation. 
The only response I get from Experian is " Outcome : Remains ''. Why is there no reasonable response, documentation or explanation of what process or evidence was used to determine this is in fact is a legitimate debt and that it belongs to me? If feel like it was just an automatic take the collections company side situation. Was there an investigation completed? I also sent a request for validation to the company XXXX XXXX XXXX and I did not get a response. 
I believe that these are unfair practices and in no way supports consumers in their right to dispute information on their credit reports and in their effort to determine if said items are actually valid debts so they can be taken care of. I would like this investigated and seen to it that the credit reporting agency is operating in a legal fashion. And, further I would like this removed from my credit reports as it is causing me a great hardship on my otherwise good credit standing. As a result of this my livelihood is being impacted as well as my ability to fairly obtain reasonable loans and credit products. 

Company response: Company chooses not to provide a public response
Consumer complaint: World Acceptance Corporation called my boss 's PERSONAL CELL PHONE trying to reach me. He asked them how they got his number, and the person replied that it was printed on my paycheck stub. ABSOLUTE LIE. We would never print ANY personal cellular numbers on our paystubs. They must have done some digging to find out who owns the company I work for. 

Meanwhile, I do n't receive calls to my personal phone number from them. I do get random " Unknown '' phone calls, but when I answer, there is never a response from the other end, so I 've started sending them to voicemail. No message is ever left. This is HARASSMENT. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am responding to a letter I received from Experian regarding a request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they do n't think I am smart enough to write a dispute letter. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I researched a dispute letter online and just used that to complete my dispute. So I guess it is possible that I may have missed something. I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that was inappropriate? 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. Would completing a dispute over the phone provide me with the same benefits as the letter? And if the results would be the same, why not just accept my letter? 

Company response: Company chooses not to provide a public response
Consumer complaint: We were going to refi with our mortgage company, they lied to us about charges, we cancelled. they said we would have NO charged repeatly. We have a {$30.00} charge that I 've called every month for 3 months now to get taken care of. They give me the run around, XXXX department says I have to talk to the other and vice versa, no one seems to know whats going on. Refi department says we will not have to pay it but customer service needs to fix it. customer service says we have to talk to refi. then we get the same run around. month after month I call and then get the same run around and the charge is still on my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I wrote a check for {$700.00} for rent to my landlord ( XXXX XXXX ) at the beginning of XXXX. After my landlord mobile deposited the check, it came into his account as per usual. However, a few days later, someone stole the check, cashed it, and the money was deducted back out of my landlord 's account. So, my check was stolen and my money was stolen. I reported the claim immediately after we found out to my bank ( Wells Fargo ) and he reported it to his bank ( XXXX XXXX XXXX ). However, both banks REFUSE to reimburse me the {$700.00} that was stolen from me. When asked why the banks wo n't refund us, they both refer us to the other bank, therefore the issue is just being passed back and forth between the banks and again, I AM NOT BEING REFUNDED for money that was stolen from me. Because of their refusal, I am out {$700.00} and this is unacceptable. 

Company response: Company chooses not to provide a public response
Consumer complaint: They have misspell my name and my wrong employer name. 

Company response: Company chooses not to provide a public response
Consumer complaint: Has threatened me with my IMMEDIATE ARREST. This debt collection attorney has stated that a bench warrant is PENDING and it was going to be UNPLEASANT FOR ME. 

I AM A XXXX VETERAN. I have XXXX AND A XXXX XXXX XXXX. This situation has caused undue stress and hardship on me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am receiving calls at least XXXX times a day/night for my brother in law 's outstanding debt of {$48.00}. When they call they are looking for XXXX. I have told them over two months this is not XXXX home and to stop calling. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mother passed away in 2013, leaving her home to my family. I am not the executor of the estate so the company will not allow me to take over the mortgage. I do n't make enough money to pay it and I keep getting the run around. I make enough money to pay a mortgage. The account is in default now and I ca n't seem to get them to help me keep the house. I understand that I have a right to the house and the will gives me claim, but I ca n't get them to work with me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I tried to give Bank of America notice not to cash post-dated checks until the date written on the checks. Bank of America claimed that the only way I could stop them from cashing the check early is to put a stop payment on the check and then release the stop payment on the date of check. Is that correct? If not, what can I do about it? 

Company response: Company chooses not to provide a public response
Consumer complaint: For the past several months I 've been paying extra principal ( or so I thought ) each month when I sent in my auto payment. When I called this week I discovered the extra money I 've been sending has simply been paying any additional interest rather than paying down the balance as intended. So now I 'm paid ahead a month or more when I want to have my balance lowered as intended. When I contacted customer service they attempted to make me feel like this is a benefit to me, in case I do n't want to make a payment in the future I wo n't have to since I 'm paid ahead. Seems like flawed logic at best and outright robbery at worst. Why would I pay extra for any reason other than applying it to principal. If the lender does n't know how I wanted the money applied they could simply ask me. Seems to me they are lining their pockets by applying to my additional payment amount to interest rather than principal thus dragging my loan out further than I desire 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a Circuit Court claim on my report and I have never even lived in the county that it is from or have never had papers served in that county. I requested a disputed and it come back with no changes. I need this corrected, because this is not mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: Over 10 years our grandson was in XXXX and a fraud caller ask us to accept collect call. The telephone number is no longers in service and was in my husband name. our new number is in my name and we get calls beginning @ XXXX and continuously all day from Enhanced Recovery Company , LLC with whom we do not any contract and never did business with them. I am XXXX years old and diagnosed with several health challenges and this harrassment cause me stress. please help! 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I actually signed up for overdraft protection with BOA ; which to my understandiing meant that if you overdraft your account ; that you would be protected an the transaction would be paid. So on XXXX 2015 my credit card payment was deducted in the amount of XXXX. Which was fine ; because I assumed that the transaction would be paid ; and that I would have time to place my funds in my account by the XXXX of this month. However once again with BOA they never live up to what they present or state I really ca n't afford for this payment to be returned. I am fine with the overdraft fee that has occured ; because I had that all planned out to be repaid. I sware at this point I am so over BOA right now. The payment that should not have been paid prior to this one ; was and I had to file a claim, Now this payment I really didnt expect it not to. Help!! As BOA of america bites. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are incorrect names and a address that I have never lived at, not even in that town. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is an inquiry from XXXX which appears on my report that is not mine. I disputed the inquiry and received a letter saying they can not remove the incorrect information as they must list all companies who received your credit report. However, the companies must have a lawful reason XXXX permissible purpose ) for doing so. This inquiry was not authorized and should be removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX/Mortgage Loan Officer/NMLS ID:XXXX/Bank of AmericaOne of the worst experience I have ever gone through. The fact that the MLO didnt have clear and basic understanding of how mortgages work, and kept running around in circles troubles me. 
Story : My name is XXXX XXXX XXXX had explained to MLO my current marriage situation, MLO kept on saying it would be fine and WOULD NOT HAVE ANY ISSUES. My Realtor ( XXXX XXXX, has supporting documentation ) and also confirmed with him that I would have any issues. Well when my offer was accepted she got really nervous with my questions and didnt even want to speak to my Realtor or was given me clear instructions. Very disappointing! Seller and I were out money and time and this could have been prevented if the MLO and Bank of America would do a better job of qualifying clients. 
She was very irresponsible, never gave clear answers, was very unprofessional, and when ask what to do next she answer " THE PAST IS HISTORY AND LETS MOVE FORWARD '' WOWAlso at the start of my application she approved me for Conventional and changed it to FHA later on the process without definite answer as to why. 

Company response: Company chooses not to provide a public response
Consumer complaint: Unknown and appears to be outdated, disputed with no outcome. Please help 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am in the loan modification process but at the same time the mortgage lender pursues foreclosure remedies in state court while simultaneously is offering me a mortgage modification ( DOUBLE TRACKING )., This is my house primary residency ( and in Florida, XXXX XXXX JUDGES DO NOT ALLOW CANCELATION OF FORECLOSURE SALE ). 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a XXXX XXXX Credit card which is handled by Bank of America.I have excellent credit ( scoreXXXX ) and pay all my credit cards at end of month. Bank of America said the decision as based on an assessment of your application, current economic trends and a copy of your credit report.. I am applying to XXXX XXXX and Bank of America is not making any money off of me so is not approving of the card. In XXXX letter they say not due to credit report.I used to bank at Bank of America and found them to charge for every little thing so I closed the accounts I feel this is main reason for being turned down. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was sued and placed in collections with this company but the case was dismissed and placed in my favor. I disputed this account with Experian and they came back and said that the account remains. I provided my court documents in the dispute showing that the collection was dismissed in legal litigation. The report number was XXXX. Please remove the XXXX XXXX collections from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXXLoan # XXXXTo whom it may concern, Recently I enrolled for equity accelerator program, however, I change my mind and canceled it couple days later.I thought I have 90 days from the day after the enrollment. I do n't know that they count back in 2013. No boby explain for me before they reinstate my enrollment.I call to request enrollment fee to be waived because of the lack and unclear explanation. I though when I cancel the program the enrollment fee is not be charge That why I canceled the program. I am writing this email to request the {$290.00} enrollment fee is waive because I never use the services.the problems happened because of unclear explanation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchase my home in XX/XX/XXXX, now this current lending company took over my mortgage loan from another mortgage company early last year. XX/XX/XXXX. My mortgage payment at that time was {$1300.00}. In XX/XX/XXXX my house payment was reduced to {$1100.00}. I assumed it was perhaps my MIP insurance had dropped off as I had heard after 5 years FHA dropped it. I, however assumed, and did n't confirm the lower mortgage payment. I then received this Annual Escrow Disclosure Statement. Now, I have a {$2100.00} escrow shortage! Not only that, my house payment is now to be {$1500.00}! I have attempted to resolve this issue at least 6 times. Spoken to as many representatives. All of them can only recite the data on this disclosure statement! No one has addressed my concerns. How did I, after 6 years of ownership end up owing a shortage of {$2100.00}? Who initiated the change in my mortgage payment? Why was the change made? Why is my new mortgage payment {$400.00} more a month? I checked with my county tax, FHA MIP premiums, both of which the premium remains the same, or less! 
I asked to speak to someone in the Escrow dept, and was told the escrow department does not accept call. The representative said she would email someone in the escrow department and have them return my call. This was 4 days ago. Someone from the escrow dept sent me an email stating the very same information the representatives stated! 
I do n't know where to turn for help? I do not have the {$2100.00} they say I owe, nor can I afford another {$400.00} per month increase in my mortgage payment. Its worrisome how a mortgage company can dictate shortages, and increases without proper explanation to the consumer. I ask for assistance in this matter. 
I simply do not understand how 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX. is not a company i 've done business with. its my son of same name but he is the XXXX. 
XXXX XXXXXX/XX/XXXXXX/XX/XXXXAutomotiveCreditor Contact DetailsXXXX/XXXXXXXXXXXX, MA XXXX ( XXXX ) XXXXSee something wrong? 
Find out how to dispute a hard inquiry. 
XXXX XXXXXX/XX/XXXXXX/XX/XXXXAutomotive 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian 's freecreditreport.com requires you to sign up for a {$21.00} per month membership to see my FICO credit score. I can sign up for the service online, but must call to cancel it. When I call, I am left on hold for long periods of time before being disconnected. This has happened XXXX times. I have yet to reach a customer service representative to cancel my " membership. '' 

Company response: Company chooses not to provide a public response
Consumer complaint: An account belonging to my father of the same name was placed on my credit report and subsequently disputed online via Experian.com. The creditor refused to remove the account from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: This file has been relisted on my credit report with a date of 2015. It 's a old file which should n't have been there in the first place. I signed up for XXXX a few years ago for {$19.00} a month. They started charging me almost {$50.00} a month without any notice. By the time I realized, the bill was high, and I had to cancel service. It has been through a few collection companies, but it is not from this year. The way it 's listed pulled down my score, and I 've been paying my current bills on time to raise my score. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around [ XXXX/XXXX/2015 ]. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On [ XXXX/XXXX/15 ] I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX ( XXXX ) XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns! 

Company response: Company chooses not to provide a public response
Consumer complaint: Over 8 years ago I was a XXXX XXXX customer. Upon closing our account I paid the balance owed and returned the equipment. In the past three months XXXX XXXX has sent a request to XXXX different collection agencies to attempt to collect {$120.00}. I do n't know what this debts about. Even if it was my debt ( which it is n't ), the State of Washington has a 6 year statue of limitation for contractual debts. 

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