AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I received a collection notice from Solomon and Solomon P.C. of XXXX XXXX XXXX, XXXX XXXX XXXX regarding a XXXX XXXX XXXX XXXX XXXX XXXX loan that was apparently originated around XXXX. I have not received any information about the original loan, no copies of the original loan application or documents and no proof that this loan is indeed my responsibility, but it is certainly not my personal debt since I have n't been a student since XXXX. I have helped my XXXX sons get through college, however, and XXXX of them did attend college in XXXX until XXXX, but again, I have n't received any original loan information, so I have no way of knowing if this is his debt. All I have received is collection notices demanding {$22000.00} of which they now claim {$21000.00} is principal and {$430.00} interest. In XXXX XXXX, they claimed {$12000.00} was principal and {$7500.00} interest. In XXXX, they raised the interest to {$7800.00}. So now they 've changed the interest due into principal due. 
Secondly, in XXXX XXXX, Solomon and Solomon served me with a Civil Summons for which I had to file an " Appearance '' with the " CLERK, SUPERIOR COURT, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX '' by XXXX XXXX, XXXX, which I did. I also sent Solomon and Solomon a copy of my " Appearance '' form. They then asked the court for a " Motion For Default - Failure To Plead ''. The court responded thus : " The foregoing, having been considered by the clerk, is hereby : ORDER : DENIED. The person sought to be defaulted is not a party to this case ''. Then on XXXX/XXXX/XXXX, Solomon and Solomon filed yet another " MOTION FOR DEFAULT FOR FAILURE TO PLEAD '' with the court against me for " failure to file an Answer in this matter ''. I have n't been asked to plead to anything. The only action requested of me was to file an " Appearance '' by XXXX/XXXX/XXXX. Since I have n't been told anything about the original loan and nothing about how I may have acquired this debt, I consider this not only heavy-handed, but also a devious tactic because they are requesting something that has already been denied, perhaps in hopes that the court will inadvertently contradict its prior ruling. 
XXXX, I am considered " Totally and Permanently XXXX '' by the XXXX and also by the XXXX. To continually harass a XXXX American over a debt he knows nothing about is outrageous. I am considering what options I may have against Solomon and Solomon for their intimidating tactics and constant correspondence demanding more and more money including attorneys fees and absurd interest charges ( that somehow turn into principal debt ). 
I will gladly forward copies of any paperwork I have regarding this matter as well as proof of my XXXX status. Thank you for taking the time to review my information. Please help me if you can. 

Company response: Company chooses not to provide a public response
Consumer complaint: my business acct was closed on XX/XX/XXXX no one had permission no one sees i was lied to regarding the waiver that was never put on that should have been each time i got a script about the rules about fees. not right. 
i want the account without a fee for XXXX months this time wihtout being lied to. i dont want a script read to me. i want to see if anyone sees how i was lied to in XX/XX/XXXX. about a waiver. it never stiuck i called each month taking my time up with no recognition here about a lie i was told that should not have been. 
that is not good business. i will not pay a fee please make sure one is not billed for XXXX months in deference to the above. without a script. my account was closed by an XXXX with no permission to do so or cause. i want the waiver. i am contacting the CEO answer this without a script and show true analysis and understanding of the above STOP the form letters as the matter has not been handled at all as of now not properly. so dont refer to earlier letters 

Company response: Company chooses not to provide a public response
Consumer complaint: I am trying to review a account in which I am a authorized user and am not liable for the account, no one will will help me without a account number, I do not have that information. They keep hanging up on me 

Company response: Company chooses not to provide a public response
Consumer complaint: Failed to verify my identity prior to discussing debt. Additionally claimed I show more accounts than what shows on my CBR. Refused to discuss offer for the accounts I wanted to resolve. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Collection agency in question has failed to respond to debt verification via telephone and written correspondence. Agency has informed me that they will continue to asses fees onto original amount due ; although I have not heard from agency in over one month. Their practices seem to be very predatory ; I would like some form of explanation and clarity and complete removal from my credit profile. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been working trying to keep my home for the last 6 to 8 yrs. It all started when my husband became ill, I had XXXX children in college. I went into bankruptcy and came out and asked for a modification, they took about {$10000.00} and the bank Wells Fargo decided I did not fit into their program because I made about {$85000.00} a year which was too much money. I had lawyers I have made payments every month and they took my money even through I was told after I made a company do research they stated my deeds, XXXX Mortgage had not turned over the paper work correctly to Wells Fargo and they have no deeds to the property. The lawyers did nothing and in fact one of the lawyers went to jail for Fraud Wells Fargo had hired to do their mortgages for XXXX XXXX. I been to court several times, the judge throws the case out asking the mortgage company to negotiate and they never do. Here I am again 2015 with the same issue with Wells Fargo stating I need to sell the home because I make too much money to fit in their program. I need help, I do not believe Obama put these rules into place for the middle class to suffer. All I want is they need to put the arrears in the back, bring the house value down to what it is worth and restart my payment.. The only reason it has been in arrears the last few years they refused to accept my payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: I feel that I 'm paying more than I should. 

Company response: Company chooses not to provide a public response
Consumer complaint: I became a victim of identity theft during the beginning of XXXX 2014. My drivers license, XXXX 's and personal information was taken from my mail box. As a result I reported this information to the IRS immediately. The IRS gave me steps to take which included contacting all XXXX credit bureau 's to add fraud alerts to each credit agency and to freeze my credit due to identity theft. These steps were taken with each credit agency. This became a problem because the credit agency 's still allowed individuals access to MY CREDIT REPORT in which they added an enormous amount of fraudulent information. I stressed to the credit bureau 's not to let anyone into my credit report without a pin but I was told that someone had called pretending to me, so the credit agency 's gave him a pin which allowed them to add more fraudulent information. I will have to go through disputing items on my credit reports repeatedly. My credit reports started turning into open books of fraudulent information that was totally unrecognizable to me. The credit bureau 's would promise to fix everything and not to contact anyone about this, but it did n't happen. The last time I saw my credit reports were in XXXX 2014 because the information on them was fraudulent. My CREDIT SCORE at one point were in the XXXX and in XXXX 2014 they were extremely low. People still continue to go into my credit reports and report fraudulent information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been paying my mortgage payments almost every time on time and in full since 2004. My monthly payment is XXXX and my interest rate is 8.250 %. I am having trouble paying my student loan and other payments. I had asked my lender Wells Fargo about the HARP program when I first heard about it, but they brushed me off. So I was delighted when I received some years later a letter from Wells Fargo asking me if I wanted to apply for a refinance with them involving HARP. I filled out the paperwork and sent faxes and emails and the XXXX reps I dealt with by email and phone seemed very responsive and assured me it would go through. There was nothing telling me that things were n't going well. Then I got a letter saying that my credit score was too low for them to take a risk. I had told them all along I was having trouble meeting my student loans and some other bills. That 's why I needed a refinance. Also I had been paying a higher payment for ten years to this very same company! But they did not take that into account, treating me like I was a new customer to them. Meanwhile I am still having trouble paying my student loan and credit card bills, and wondering what I can do. Not sure if anything can be done about this. But I can tell you I am not very happy with Wells Fargo. Yesterday, got another letter from them telling me " I could qualify for a lower payment through HARP!. '' 

Company response: Company chooses not to provide a public response
Consumer complaint: I am trying to short sell my home, my servicer is Select Portfolio Services ( SPS ) the servicer sent an FHA appraiser to my home and the result was the retail value of my home is {$150000.00} I have a contract for sale for {$150000.00}, that 's {$5000.00} more then the retail value of my home, In short selling my home i was hoping to receive the {$1000000.00} relocation money to move. however the servicer told my Realtor that I would get any relocation money because i have Mortgage Insurance on the loan. They denied the short sale and gave no reason they just stated " that this option is not available at this time '' 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Our mortgage lender Wells Fargo has refused to work with us regarding modifying or refinancing our mortgage. We recently sent in a request for either a loan modification, refinance, or a principal reduction due to the fact that my husband has taken a pay cut with his company in order to retain his job and we wanted to take advantage of the all time low interest rates for a lower payment and not have a interest only payment but include some principal so it is getting paid down. We have been denied at every step with Wells Fargo and it has taken from XXXX to XXXX to get a refusal. Wells Fargo did completed a temporary loan modification with us on XX/XX/XXXX with a interest only loan for XXXX years and a lower interest rate but it steps up the interest rate each year until XX/XX/XXXX where the interest rate will cap at XXXX, then will re-adjust the payment to include principal and interest. We also have a balloon payment due of {$26000.00}, that was added to the mortgage for attorney fees, late fees, and other fees by Wells Fargo because of the modification and we are not quite sure when that balloon payment is due. We now currently owe {$520000.00} on our mortgage. They did lower the interest rate to reduce the payment but we think we are worse off now then before. The recent appraisal that Wells Fargo completed in XX/XX/XXXX the house appraised for {$440000.00}. We have contacted the XXXX XXXX Financial Counselor ) to help with trying to get Wells Fargo to work with us but they have not been able to achieve any results either. We have contacted other lenders to see if we could get our mortgage refinanced but because we are underwater they can not work with us. 
The reason Wells Fargo states that they can not do anything with out loan is because they only service the loan and can not contractual make any changes to it. The loan is owned by XXXX Bank and research shows that it belongs to Wells Fargo Bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: A divorce decree was put into effect of XXXX XXXX, 2014. Courts ordered that XXXX XXXX XXXX is responsible for the mortgage. I have attempted resolution with US bank and they declined all attempts to remove my name from the mortgage. This is effecting my ability to own or purchase my own home due to his negligence. I have attempted to contact him on multiple occasions but refuses to assist me. The IRS also took my money on debts that he owes. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank Of America XXXX loan XXXX ) was servicing my home loan when I file for Bankruptcy on XXXX XXXX, 2012, I never stop paying my mortgage with B Of A or XXXX I was informed by Bank Of America andXXXX XXXX If I pay my mortgage off they would file a update with the credit bureau. XXXX has remove this information from all four major credit reporting agencies. I have sent B Of A over six request ask them to file a Automated Universal Data Form ( AUD ) to all four major credit bureau, to have this information remove, and they keep send me letter that myloan with XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Genuine Debt Solutions calls me repeatedly about a debt I owe. Their number is XXXX or XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: As of XX/XX/XXXX I XXXX XXXX have a mortgage with Bank of America XXXX XXXX CO XXXX that I reaffirmed loan in XX/XX/XXXX after bankruptcy in XX/XX/XXXX, with good standing, since. Bank of America has failed to report to all 3 credit reporting agencies with updates. They 've just removed whole mortgage account from all credit bureaus, is this my punishment! So, that I can not buy another home. 

Company response: Company chooses not to provide a public response
Consumer complaint: They say they are from Fitzgerald and associates XXXX. They will not tell me what it about just that i owe money. They refuse to create paper trail or provide information. They will not provide me anything in writing. They threatened to take my car away. They called me on my cell phone at XXXX on XXXX. They called me at work on XXXX and i asked them not to call me here. They called again on XXXX i asked them not to call me again. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is XXXX complaint : today I found out the Bank of America received a property tax refund on XXXX XXXX XXXX in the amount of {$1000.00} for XXXX tax pre fund. We also have at least XXXX other refund for the year XXXX - XXXX due to my husband XXXX Veteran XXXX and other qualification. The B of America representative told me that this process can take up to 3 months to refund the money. I have been working on this since XXXX XXXX. My husband has a XXXX in XXXX XXXX & we are in a financial hardship ; Bank of America know this. They have charge us XXXX of dollars in excess overdraft fees and if we would of received the money on a timely basis this would not of occurred. They are earning millions of dollars in earnings credits. Hoe can a refund take 3 months? In addition theses refunds will lower my mortgage payment & apparently they do not want to do that. 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX and I'm writing you about an entry listed on my credit report. Apparently someone with as similar name to mine filed bankruptcy in XXXX, NJ bankruptcy court and it appeared on my credit report. I decided to contact the bankruptcy court and they informed me that they don't provide anyone with debtor's full social security number and they don't provide any credit reporting act to report erroneous information. As you know it a a violation of fair credit reporting Act. And I'm requesting to have it removed immediately.
Company response: Company chooses not to provide a public response
Consumer complaint: I applied online for a car loan and was directed to a website listed below that stated I had to submit my information for a credit check. The website was recognizable as Transunion, so I believed it to be reputable. However, after entering my credit card information ( which appeared to be required to prove identity ) no information or indication was made that I was signing up for a monthly service of $ XXXX. My card was then charged {$1.00} which I was also not made aware of and subsequently 7 days later another charge for {$17.00}. While the service itself may not be a scam, the fashion of non-disclosure that I was " purchasing '' or " being charged for a transaction '' was the scam. It may have had an agreement in fine-print, but no where was it clearly indicated that I was signing up or authorizing a purchase for a specific amount. This is a predatory attempt to make money ( like a bait and switch game ) from those attempting to simply apply for a loan. I attempted to contact the company to dispute the charges, but they stated they would not remove me from this re-occurring service. I am therefore reporting this as fraud. 
Here is the website and contact information : XXXX XXXX XXXX is the website for the car loans that directed me to that website : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am unable to make a payment this month because I have unexpected major car repairs. I contacted the lender and they have called more than ten times daily to threaten me with " major collection actions '' if I do n't borrow the money, pawn something or take another payday loan to make my payment. I am afraid of what will happen next. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America purchased my loan from Countrywide. The loan statements at that time and since then have been extremely inaccurate with over XXXX " Misc '' postings XXXX in excess of {$100000.00}. I have requested an explanation and corrected loan statement many times without one being furnished. Bank of America latest loan servicer - XXXX XXXX XXXX now say that the information is not available. Bank of America is still using the amounts that they can not substantiate as the amount due on the loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: I used the federal government 's website to check my credit report using TransUnion and as I had not recently gotten my credit score I purchased what appeared to be a one time credit score. Now my credit card is being charged a recurring charge for credit protection. It did not appear that I was signing up for credit protection, nor did I want credit protection. It was never my intention to sign up for a recurring service and it was not clear at all that I was signing up for such a service. 

Company response: Company chooses not to provide a public response
Consumer complaint: i inquired about their services only and refused it and they to charge me 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had received a letter from my previous employer about a data breach. I submit a request to Experian to delete addresses on my report as not mine and they would n't. I provided my current bank statement and a utility bill with my current address and asked them to change my current address and delete the previous addresses as they were n't mine and they would n't.. My current address isXXXX XXXX XXXX XXXX following addresses need to be deleted from my address as they are n't mine. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been working with Bank of America to do a loan moodification to save my home from foreclosure for almost a year. I have submitted documents over and over to them, via XXXX and they claim to not have received them even though I have sent them in envelopes with lables supplied by BofA and have tracked them and showed they have been delivered to BofA. As of today they said they are moving forward with foreclosure because they said they have not received documents that I have proof via the XXXX tracking label that where received by them. It seems as though they are doing everything to keep me from getting a modification. I have a foreclosure sale date of XXXX/XXXX/2015 and I am not getting any where with BofA. I need help. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion reports that my account balance increased by {$11000.00} due to a student loan with XXXX. I have always had that loan, so it should not have been reported as a new debt. They knocked my credit score down by XXXX points. They should have not done that. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX had until yesterday XXXX a Dillard 's credit card, which is administered by Wells Fargo. I generally have paid my bill for Dillard 's online, and have typically received an email confirming my electronic payment. This month, Wells Fargo also sent a letter by mail to confirm scheduling an electronic payment. 

On XXXX I called Wells fargo to request that they not mail a confirmation to me in the future, to stop sending paper, and was told by a supervisor XXXX XXXX XXXX that by law they have to send both an email and a hard copy letter. 

I asked why they are held to different standards than other credit card companies ( this is Wells Fargo XXXX. My accounts with XXXX, XXXX, XXXX all confirm my payments by email - they do not also mail confirmations. Wells Fargo insisted that all credit card companies also have to mail confirmations every time an electronic payment is made, and that this is mandated by law. This made me question why I do n't receive these from my other credit card companies. 

I was curious whether this was true - so researched further. What I learned, and then confirmed on XXXX with a different Wells Fargo supervisor ( XXXX XXXX, that this is not law, but simply Wells Fargo policy. Wells Fargo chooses to mail me a physical confirmation every time a transaction takes place. 

The law only requires that a credit card company mail to me the first time I pay online. For Wells Fargo, the only paper I can request to stop is the delivery of credit card statements and catalogs. 

I told the supervisor that I happily forgo the pleasure of carrying a Dillard 's card in order to avoid the paper. 

I did n't like the lie told to me by the first supervisor - until questioned further, the supervisor claimed this as law, not policy. Big difference. 

Company response: Company chooses not to provide a public response
Consumer complaint: At the time I was married and under XXXX XXXX. The XXXX balances under XXXX XXXX should have been paid by XXXX XXXX health insurance in which I was under at the time. i do not understand why they have this on my credit report. i do not owe this money to them, they should have been paid in full with his health insurance. The hospital has this information in file since I had XXXX surgeries XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX at that facility! 

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