AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have chosen a XXXX XXXX XXXX school in the town of XXXX XXXX, at XXXX, for my XXXX, they promised me and gave me a wrong information dramatically, just, only Federal loans will cover your two years of XXXX, they came to me one fine morning, they have asked me to sign a form to raise more private student loan by way of raising loan only your entire two year student cost 's will be covered apart from the Federal student loan, i could not do anything at that, since i have already started my classes in the middle of the semester, i was trapped and forced to sign that private student loan application form which was given to me by XXXX XXXX finance office, by way of raising the private student loan from XXXX XXXX XXXX XXXX to cover my student costs. I was not able to find an appropriate employment in my filed, and i am single parent / single father and raising my XXXX year old child, and now i am Haunted and constantly harassed by the collection agency called XXXX /First Associates of Loan servicing and a collection agency for the ( XXXX XXXX XXXX ) XXXX from California constantly making the harassment to make the payments. which i am struggling and surviving by way of pay check to pay check to protect my child and my self. XXXX XXXX IS A MAJOR SCHOOL FOR PROFIT AND TOTALLY A FRAUD INSTITUTION AND THEIR CREDITS ARE NOT TRANSFERABLE ANYWHERE THAT CAUSED A SERIOUS PSYCHOLOGICAL AND EMOTIONAL PAIN IN MY MIND AND ALSO IN THE MINDS OF MANY STUDENTS TOO. TOTAL DECEPTIONS AND EXTREME HARDSHIP. 
XXXX XXXX, XXXX XXXX, 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Guaranteed Rate is raising my mortgage payment by {$700.00} a month because of the projected escrow amount. My 2014 taxes were paid in one installment rather than two, and they are viewing as only a half year payment and therefore doubling the projected tax amount. I have called numerous ( 6 ) times and spoken with representatives that tell me there is nothing they can do to fix the projected escrow amount even though I have faxed in all of my tax information, to which they also have access to via the XXXX county treasurer. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Experian has not provided me, to date, their reinvestigation procedures, & additional documentation provided to them, in the matter of my dispute with XXXX XXXX XXXX , XXXX. This is clearly a violation of the FCRA, which enforces fair credit reporting by the credit bureaus. To date, Experian continues to falsely report XXXX XXXX XXXX , XXXX Account # XXXX as a contractual debt under my name, without conducting a proper reinvestigation of my dispute. They have not provided me any further information which supports their verification of the item, and have not weighed impartially the documentation that I provided to them. 
In support of my complaint against Experian, I am attaching the results of XXXX 's investigation of my complaint with XXXX XXXX XXXX , XXXX. XXXX conducted a proper, impartial investigation of my dispute, and deleted the false information from my credit file. XXXX has failed to conduct a proper reinvestigation of my dispute, or provide to me their verification procedures and additional documentation provided to them, in making their decision. Based upon their actions, XXXX has violated the FCRA regulations, and should be penalized accordingly. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've supplied XXXX ( XXXX XXXX XXXX ), the furnisher, along with ( Experion ) ex and ( XXXX ) XXXX a copy of a written confirmation of the only account that I had with them is settled and closed, with no further balance since 2013. 
In the letter, was the account number, reps signature and phone number. 
CRA 's are reporting that I have XXXX accounts from XXXX creditor, which is wrong. 
I 've been challenging this for the past two years with no success. CRA 's maintained the furnisher is reporting correctly. 
I called the collections unit and spoke with XXXX XXXX ( the account rep handling my account @ XXXX ). She confirmed this was an error and did n't understand why they 're reporting improperly. She asked me to allow 30 to 45 days for adjustment. I received confirmation from ( XXXX ) XXXX the phantom-XXXX account is deleted. The other XXXX confirmed the ( phantom-XXXX ) account is reporting correctly. 
XXXX, sent results with the XXXX accounts separated : confirming the correct account number with {$0.00} balance and an invalid phone number. And confirmed ( the phantom-XXXX ) item, the same company ( XXXX ) with no contact number and different address. 
Experian simply states ( report # XXXX ) updated ( the phantom-XXXX ). 
when I called to get more clarity, they both told me, I had to provide proof I only have XXXX account with XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: In or around XX/XX/XXXX or XXXXWells Fargo Home MortgageSent a letter stating we were behind about ( 3 ) months we promtly made copies and faxed receipts to them. 
We were told by a lady named XXXX '' Oh MY there is a discrepency here we need to further investigate '' Up untill XX/XX/XXXX ( XX/XX/XXXX or XX/XX/XXXX ) Everything was fine. 
We were notified by mail and by phone we were behind {$2800.00}. We again faxed all documents and receipts as well as got {$3000.00} In money orders. ( XXXX XXXX ) ( XXXX ) {$500.00} XXXX XXXX Money orders. And sent in as well for their feesWe were again, notified That house was up for foreclosure sale. 
We promptly called and the excuses I got are as follows1 ) we did n't know where to send them ( which dept ) 2 ) you did n't send enough3 ) our computer did n't recognize the $ XXXXincrement4 ) I 'm not sure where your money orders even are.I think they got sent back to you! 
since that time Wells Fargo Home Mortgage. Has caused me to file bankruptcy because of these. Mishandling 's of our payments, I again may have to file bankruptcy. 
Wells Fargo Home Mortgage Has NO BUSINESS handling people 's money! 
They. Have not only lost 7 months worth of payments they also lost $ XXXXTheir incompetent and irresponsibility has caused undue emotional distress, caused my credit to be destroyed. Has caused financial hardships and countless other things. 
I can not get another home loan due to their mismanagement of funds ( payments ) I recently found out they are trying to foreclose on our home yet again. 
Something NEEDS TO BE DONE ASAP!!! 

Thank you for your timeXXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: This is not a duplicate complaint. I am refiling this because I gave the wrong account number in my previous complaint and Well Fargo was unable to respond. 

I went 60 days late with my Wells Fargo mortgage on XXXX XXXX, XXXX. When I tried to make a payment online on or about XXXX XXXX, I could not log on to my WF Mortgage account. On or about XXXX XXXX, I received a Notice of Acceleration stating the entire mortgage balance was now due. I contacted WFM and after several discussions with several different people, I was told they could not help me and I was referred to their Home Preservation Unit. On XXXX XXXX, XXXX, they stated they may be able to help and I filled out the required forms and provided the supporting documents requested. 

On or about XXXX XXXX, XXXX I received a notice stating my home would be auctioned on the county courthouse steps on XXXX XXXX, XXXX. I contacted WFM XXXX XXXX unit several times and never got any answers, only to keep waiting for them to get back to me. In late XXXX I hired an attorney. After several attempts to discuss the issue with WFM, he got frustrated and said we needed to file suit. On XXXX XXXX, XXXX, 3 days before the planned sale, WFM advised they were unable to help me and my house would be sold. We filed suit on XXXX XXXX, XXXX and were granted a XXXX. 

At that point my lawyer was finally put in touch with their lawyers and discussions were more fruitful. In early XXXX WF lawyers proposed a final settlement that required we pay all past due payments, their legal fees, and that I would have to add escrow to my loan. They were to remove all reports of foreclosure to all credit reporting agencies. 

We paid the amount and everything seemed ok. We only owed about {$62000.00} on a {$110000.00} loan on a home valued at over {$300000.00}. Had I been upside down on the house it is doubtful WFM would have taken the actions that they did. We eventually sold the house in XXXX and paid off the mortgage. 

Now in XXXX, I am trying to get a new mortgage for a very modest home to be built on rural property we purchased with the sale proceeds. However WF is reporting that my account went 60, 90, and 120 days past due beginning in XXXX of XXXX, during the time they would not accept any payment, only the accelerated amount, and were reviewing my application for assistance. I do n't believe it is fair to report these amounts when I could not have made a payment and was waiting for them to decide whether they would provide a modification or other workout. I contacted all XXXX reporting agencies about this and they merely contacted WFM and was told the reporting was correct. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased an item that I never received using XXXX XXXX 's website and it 's retailer credit card. I was told that the purchase would go into dispute, but someone made a mistake and it never did and subsequently the amount owed went past due and collected interest. It was then reported to the credit bureaus. I have since asked XXXX XXXX 's credit services to refund this amount, and again it is in dispute and has been reported in that manner. XXXX were cooperative and changed my information regarding that account accordingly. Experian, however, has refused to update the information and has left the negative information regarding my standing with XXXX XXXX despite having disputed it with Experian XXXX times. I attached the following letter to my latest dispute but they have responded by saying it was updated, but the information remains the same as previous. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had my original loan with XXXX along with a XXXX mortgage, and when the financial crisis hit I was no longer able to meet payments. Instead of opting the foreclosure route, I decided to pursue a short sale. Upon notifying XXXX that a short sale was being pursued, they began servicing my XXXX mortgage at Greentree. In XXXX 2011, my condo was closed as a short sale and I gave up my home. Both Greentree and XXXX accepted settlement payments to facilitate the short sale. Greentree continued to call me for payment after the short sale was completed, sometimes XXXX times per day while I was at work. I was n't always able to answer, but I did my best to communicate to them that the property was short sold. They told me to borrow money from family, put it on credit cards, etc ... I did n't have the money to pay, but they continued to call. 

Now, They have hired attorneys to sue my in county court. I am due to be present this Wednesday at XXXX. I have been trying to get my life back together since I lost my house, and this would devastate me. 

I had opted the short sale route, because everyone I spoke with said that was more responsible than just walking away and letting it fall into foreclosure. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: For the second time in a year Bank of American has notified me that they are canceling my current XXXX debit card tied to my checking account with them and will issue a new card due to " possible compromise '' of the account number with an " undisclosed merchant ''. After the first incident, I contacted the bank wishing to know the identity of the " undisclosed merchant '' so I could modify my purchase behavior as deemed necessary and was refused the information, Bank of American saying they did not have it and was advised by XXXX. There is no one to contact at " XXXX '', of course. I find this both unacceptable and improbable. Why is this information denied the consumer when major security breaches are reported on the evening news? 

Company response: Company chooses not to provide a public response
Consumer complaint: Pinnacle debt collection company tried to collect our quarterly maintenance fee of {$370.00} ( for XXXX quarters ) and we were willing to pay the past due but they said there is an additional fee of {$120.00} for collecting service which we can not agree with. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The company ( Collection Bureau XXXX ) accepted funds to legally settle a debt ( Montgomery Ward ) but never provided information that the debt was settled. They never refunded me or the debt management company XXXX XXXX XXXX XXXX XXXX I was enrolled and working with. I would like for them to refund my money. My account was paid off by me in full. If they had actually completed the settlement when they received the funds my credit report could have been updated correctly for a long time prior to me paying the debt off in full. XXXX responded to me about the arrangements are as follows : Montgomery Ward - XXXX. And the rep confirmed the same Account Number to me as well. 

The settlement we had worked out with Collection Bureau XXXX was for {$120.00} on the balance of {$240.00}. We paid off the amount in the manner as follows - {$62.00} on XXXX/XXXX/2013 -- Check By Phone payment. 
{$62.00} on XXXX/XXXX/2013 -- Check By Phone payment. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I was denied a loan do to US Bank " Mistake '' I tried to get a DU approval and it would not due to a pre-foreclosure on our credit they said they fixed the problem .. I have paid out thousands of dollars trying to get this fixed it is the US Bank fault this has been on credit for over 5 years.. higher interest rates, getting turned down because of a foreclosure on our credit I paid for a home inspection, I paid for a appraisal ( 2 times ), I had to paid for a HUD inspector title fees 2x, I sent them a letter stating the monies I have spend over the years due to there mistake they said they could not help me because they do not have any doc showing them I was denied .. 

Company response: Company chooses not to provide a public response
Consumer complaint: While reviewing my XXXX credit report of XX/XX/XXXX, and XXXX of XX/XX/XXXX, I noticed that CITIBANK NA employees had initiated an unauthorized and fraudulent inquiries into my credit report. I did not authorize and/or consent to anyone employee of CITIBANK at any time during this relevant period to view my credit report, absent which this is in clear violation of my Privacy Rights and FCRA Section XXXX b ( c ). 

Company response: Company chooses not to provide a public response
Consumer complaint: I was charged a {$5.00} fee by Bank of America for withdrawing {$30.00} on or about XXXX/XXXX/2015. There was no disclosure of the at time of the transaction. 

I called Bank America customer service number on the back of the card XXXX on XXXX/XXXX/2015 around XXXX central and was told that we were on a recorded line. I shared my concern regarding a {$5.00} fee and was told that the fee was because of a {$20.00} withdrawal at a gas station on XXXX/XXXX/2015 but that he did have the authority to waive the fee. I requested to talk to a supervisor, XXXX the supervisor said the fee was for a transaction of {$30.00} at another bank. I again explained that the fee was not disclosed and that I would not knowingly agree to pay {$5.00} to access {$30.00}. XXXX said that she did not have the authority to waive the fee. I requested the next layer of management to take my complaint to and told that there is no one else at Bank Ameica to take my complaint. 

I am filing this complaint because I do n't believe the undisclosed {$5.00} I was charged is fair and have no other recourse through Bank of America. 

Company response: Company chooses not to provide a public response
Consumer complaint: This Complaint is the direct result of the continued failures of Green Tree/Ditech to rectify a set of errors in the accounting of Account Number XXXX. There have been a number of additional issues with the servicing of this account, dating back to the date which Green Tree/Ditech assumed the servicing of this account XXXX ranging from Green Tree/Ditech refusing to acknowledge permanent modification of the mortgage on said account, which pre-dated Green Tree/Ditech assuming servicing of the account, to being apparently unwilling and/or unable to generate an accurate monthly statement and/or sending it in a timely manner. After more than seven months of communicating back and forth with XXXX XXXX XXXX and the XXXX Department, the issues are currently unresolved, and show no signs of reaching a resolution dealing directly with Green Tree/Ditech. It is to this end that we now turn to the Consumer Financial Protection Bureau and the Federal Trade Commission with the attached formal complaint. The Complaint itself is comprehensive and too large to post in this area. The actual complaint is labeled Exhibit AA. All other attachments are supporting documentation, as listed in the complaint. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am receiving multiple phone calls daily. Similarly, friends of mine are getting between XXXX and XXXX calls some days asking for my contact information. I do not recall ever giving anyone this friend 's contact information, not even as a reference. 

Company response: Company chooses not to provide a public response
Consumer complaint: An account was set up in my name by my parents without my permission and I the account was being used while I was in the military, years later I see that the account was closed out due to non payment for a small amount. The bank has since restructured itself, I 've reported it several times but there has never been any outcome. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am slightly behind on a car payment to Wells Fargo Dealer Services. I am the owner of a business and I use the car primarily for the business. WFDS has been calling me at my business number and filling up a voice mail box that is used for sales & support and is checked by other people. Even though they do not disclose who they are, people can XXXX " Wells Fargo Dealer Services ''. It has undermined my business in that people are concerned they may not get paid and word has gotten around to several of my investors who may be looking to pull out. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15 a hard credit inquiry was reported by Experian. The company reported was XXXX, no other identifying information on the credit report. I have been a victim of identity theft since XXXX 2015. I have never applied to XXXX for credit or any other reason. Since this hard inquiry affects my credit report I need to have it removed from my credit reports. I have fraud alerts in place at present time, however, I am still getting hard inquiries. How do I resolve this whole situation? 

Company response: Company chooses not to provide a public response
Consumer complaint: We recently requested that Santander Bank ( our mortgage holder ) would suspend the escrow account requirement for property taxes on our mortgage loan. At the time of our signing, we were told we could apply for such a waiver in 2 years after good standing on our loan. When we applied for the waiver in due time, we were informed of a fee of XXXX of our mortgage balance equaling {$460.00}. This fee is unexplained, inappropriate and unfair. At no time at our signing or in our phone conversations with the bank was such a fee described or explained. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Sir or MadamThis is with regard to XXXX credit cards that I have with the Bank of America. They are on behalf of XXXX. 
A number of times in the past eighteen months I was charged a {$1.00} fee for reasons I do not understand. Each time when I called, an agent removed them. When I questioned what the fee was for, I was told it was because I had a credit and I had not used the card that month. This is absolute nonsense! 

I pay a yearly fee for the card. There is no requirement that I use the credit cards at any time. Yet, one can see in the attached XXXX bills, Bank of America charged me a {$1.00} fee for each of the cards. Payments were not made late. There is no explanation as to why a fee was charged. 
I am wondering if Bank of America is charging a fee to other customers without justification. I believe this matter should be looked into. 

I awat your reply. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Escallate LLC ( phone number XXXX ) failed to file proper health insurance claims and went ahead without informing me to file a collection on my credit. They ruined my credit, now I have been denied a refinance mortgage. 

Company response: Company chooses not to provide a public response
Consumer complaint: i borrowed $ XXXX.which i was thankful forbut wasnt expect the ernomeous feesannual percentage is 668.17 % finance charge is $ XXXX-amount financed is $ XXXXtotal payments is $ XXXXwhich each pay period i 'm only paying $ XXXXto amount financedif i keep going like this i will be put out of my house/ and lose mycar due to the fees 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Old debt listed as new debt ; " XXXX '' listed twice on Experian credit report XX/XX/XXXX and XX/XX/XXXX ; Per letter dated XXXX XXXX investigated my inquiry and determined no changes were needed. I also asked the company for the status of the account and a response was not given. I 've sent XXXX letters requesting an update to the credit report regarding the XXXX Charge Off 's listed on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion is listing an account from XXXX XXXX XXXX. I disputed the account as invalid. I owe no money to anyone. Please delete this account ASAP. 

Company response: Company chooses not to provide a public response
Consumer complaint: 3 years ago my account was in foreclosure. In 2014 I was told to pay {$15000.00}, to bring the account up to date, and I paid the full amount. On my statements there is an unpaid balance of {$2700.00}, initially I was told that it was for legal fees. Wells Fargo have lawyers on retainer in every state, I am not responsible for those fees. I recently received a statement showing an analysis of my mortgage account. The amount of {$2700.00} should have been included in the rears balance in 2014, again I am not responsible for Wells Fargo error. I have been paying my monthly mortgage on time. I am writing to you, to assist with this discrepancy. I tried to refinance and was denied and started receiving notification of this balance. ****please note the property address is not the same as the mailing address. **** 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a collection from XXXX, I disputed it and XXXX found that I was correct, this was identity theft. since then I 've had XXXX companies try to collect the same debt, every 3-4 months I have to redispute with a diff company to have removed. this is dropping my score and interring with my life. 

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