AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Had physical therapy at XXXX in XXXX and XXXX 2015. I entered into a payment arrangement with them although I paid my {$20.00} co-pay each time. My Blue Cross insurance has a {$750.00} deductible. XXXX XXXX contacted me several times with an amount of {$980.00} amount owed. I repeatedly told them I have a {$750.00} deductible and that can not be right. I asked them to check with Blue Cross. They refused every time. I contacted Blue Cross and was told that my deductible had been met and they should send the amount to them. I repeatedly told this to XXXX XXXX and Bonneville but they refused to listen or take action. They are demanding {$980.00}. 
My son ( XXXX years old ) also did physical therapy with them. They have been demanding {$660.00} from both me and him even though his {$750.00} deductible was more than met when he had surgery on his XXXX. The worst part is that my credit report shows a derogatory balance of both my son 's {$660.00} and my {$980.00}. First, I am not responsible for my son 's debt as he is over XXXX years old. It should not be on my credit report. Also, there should not be an amount owing for my son as his deductible was met and he paid his co-pay each time. I have contacted Blue Cross. They said I should not owe anything to XXXX XXXX Physical Therapy because I met my {$750.00} deductible also. Bonneville Collections has put XXXX things on my credit report that should not be there. It has hurt my ability to get credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/XXXX, XXXX XXXX and I ( XXXX XXXX ) were approved by Wells Fargo for a Deed in Lieu of Foreclosure. I received a letter stating that on XX/XX/XXXX, the process would be completed and the account would be closed. Wells Fargo continues to report to XXXX every month that we are missing a mortgage payment. XXXX correctly reports that the account has been closed. I have contacted Wells Fargo about this matter, but my complaint is never addressed or fixed by the representative I talk to. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, I received an email from Bank of America because there was suspicious activity on my Credit Card. Someone had made a purchase for {$400.00} at a XXXX XXXX XXXX, MA. A second large purchase was attempted but declined. I informed a representative from Bank of America that the charges were indeed fraudulent. The charges were reversed from my account, the card was cancelled and my wife and I received new cards in the mail. 
Over two months later my wife and I shopped at XXXX and spent {$140.00XXXX. After checking out we realized that XXXX of the items we purchased was something that we did not need so we returned it and got a credit for {$29.00}. 
On XXXX/XXXX/15 a charge appeared on my statement for {$29.00} with the description " Fraud Dispute. '' I called Bank of America Credit Card Services and they informed me that it was decided that the charge was not fraudulent. I protested and upon further investigation and explanation, the representative told me that the charges were done by the computer system because it assumed that the merchant was issuing the credit ( for the fraud ) and they were taking back their credit. 
I stated that these stores were not even in the same area and that the amounts were not even close. The representative informed me that that was simply how the system worked. I caught this because I am someone who monitors my finances very closely and I fear that a lot of other people would not have caught it. I also question that if I return and other purchases from any XXXX that the credit I will get will be reversed by the Bank 's system. In the end the bank did agree to reverse the charge. I still however consider this a fraudulent business practice by Bank of America Credit Card Services. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America account was reported for suspected fraud activity. Charge off amount of XXXX is fraudulent and I am not responsible for the balance because I have never had this amount of money on my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Submitted CFPB complaint no. XXXX on XX/XX/XXXX, matter was resolved and the fees were refunded. This matter has happened again with the XXXX XXXX XXXX of California and Bank of America. The XXXX XXXX XXXX, calculated my taxes on information provided by my ex-employer United States Postal Service and put a hold on my account with Bank of America. I did my tax return and mailed it in about XX/XX/XXXX, the tax board did not receive my tax return and issued a hold on my account on my account which was received by the Bank of America on XX/XX/XXXX. Bank of America withdrew its XXXX legal fees, {$12.00} service fees and XXXX to be sent to XXXX XXXX XXXX. On XX/XX/XXXX had to fax tax return the previous tax return that I had mailed in was not received. Spoke with XXXX XXXX from XXXX XXXX XXXX, who assured me that no legal fees would be charged because she had emailed to the bank a release. I had previously received a letter from Bank of America stating the the funds would be remitted to XXXX XXXX XXXX on XX/XX/XXXX unless there was a release or court order to the contrary before that date. The funds sent to the XXXX XXXX XXXX were returned but the legal fees were not. The orders sent by the XXXX XXXX XXXX, specifically state : Retain any funds withheld for 10 business days from the date you receive this order. Bank of America withheld my funds on XX/XX/XXXX which is three days after receiving the order. The letter they sent me stated they would remit the funds in 17 days after they received the order. Notify the taxpayer and any other person listed on the account or accounts that you are withholding funds according to this order and the date you will be transmitting the funds to the ( FTP ). The bank was to withheld the funds for ten days and they notified me that they would be remitting the funds in 17 days from the date they received the order. Transmit any funds withheld to us at the end of the 10 days holding period unless you received a release from us. The release was sent from XXXX XXXX XXXX on XX/XX/XXXX. Revenue and XXXX code section Code 18674 ( b ) states in part : An institution may asses the account or account of each person receiving this notice a reasonable service charge not to exceed XXXX dollars ( {$3.00} ). I am asking for a refund of {$100.00} dollars legal fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: A person walked into Kay Jewelers and decided to purchase jewelry under my name. He then decided to go to a different store, a few days later and tried to purchase more jewelry under by name, but this time, I was informed and he did not purchase anything. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: my loan XXXX with ASC america servicing company, i tried to remodify in 2013, i had hard time finding a job, i made payments XXXX XXXX XXXX 2013 then i found out that XXXX sent a credit of {$70000.00} to the IRS who is demanding me to pay taxes on that amount. they denied my remodification application twice, they claim i have reached the limit in remodification application and have no right for appeal anymore. 
i want to stay in the house i told them and i asked them many times that they accept monthly payments, they refused and demand that i pay all the back pay which is close to or more than XXXX $ which i do not have right now. 
my number is XXXX XXXX XXXX or XXXX XXXX XXXXthank youXXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Since XXXX/XXXX/XXXX when I started a Request ID # for a Release of Deed of Trust from Bank of America on the mortgage loan I paid off in full on XXXX/XXXX/XXXX. XXXX County in XXXX is waiting so a title can be released. I have tried to work through approx. XXXX contacts to get this done. 
I have been given wrong information and been refused contact with supervisors. I was told that this ca n't get done for 3 mo. to 1 year and they keep changing stories/info. 
I did what I was required in paying loan on time and closing loan. Why ca n't Bank of America get their act together and do what it takes to get me the title to my home. 
If I wanted to sell the house or had too, I would n't be able to do so in a timely matter and would miss out on a possible opportunity because of their delays. 
Bank of America told me back on XXXX/XXXX/XXXX that I would receive proper title and documentation in 1-3 mo. I received a cover letter and the original NOTE by XXXX XXXX XXXX both stamped PAID in Full and loan paid off. 
The reps that have worked on this keep saying that they need something from XXXX XXXX? They have had since XXXX/XXXX/XXXX to get this. This Company is out of business. 
This is what happened over the period of the loan:XX/XX/XXXX opened 30 yr. mortgage loan with XXXX XXXX XXXX. 
XXXX/XXXX/XXXX loan was transferred over to XXXX XXXX XXXX XXXX XXXX , XXXX loan was again transferred over to Countrywide Home Loans , XXXX XXXX XXXX XXXX to be effective XXXX/XXXX/XXXX. 
In XX/XX/XXXX per rep Bank of America said they took loan over from Countrywide because mortgage scandal/bankruptcy. ( Note : Bank of America has had since XXXX to get all documents in order on the account. ) Also note that this loan was not with any mortgage co. for more than a mo or two till Countrywide from XXXX/XXXX/XXXX to XX/XX/XXXX. 
My request is to have documentation ( Request of Deed of Trust ) to XXXX County by XXXX/XXXX/XXXX. I was told when the 1st request Id was created the date would be XXXX/XXXX/XXXX. Since there are response times on this report this gives over the 15 day period. 
I also feel there should some type of fine or reprimand just like if I missed a payment I would get a late payment charge and could even get foreclosed when I was paying the loan payments. 
Note : None of the below apply this loan is paid off!! 
Also every time I contacted this company and had conversation I was informed that the calls were being recorded. They have all dates and information from my calls. 
I also have account numbers and documentation on file. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have my Experian credit report and I notice that experian is providing inaccurate information about my account status and there is some discrepies. I have being applied for credit and when the company pulls from experian credit report, i either been denied credit or have to pay a high security deposit. Whereas when a company pull my credit report from XXXX and XXXX, is were i am always approved. Experian credit bureau is not reporting accurate information. 

Company response: Company chooses not to provide a public response
Consumer complaint: Every year I have to battle to not have my property tax to be assessed so high to the point my escrow cant cover the charges. It has gone up every year and not by a little XXXX. My porperty and home are not worth the amount being charged. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage was sold to Greentree last XXXX after 2 months with them I was told I had a {$1700.00} escrow shortage 2 months after that they told me my payment would be increased again because now I had a {$1500.00} shortage last month I get another escrow analysis and now they want another {$2000.00} so in XXXX and a half years I owe them over {$5000.00} in escrow shortage my property taxes are {$4600.00} .Nobody in thier so called customer service seem to know anything I do n't know what they are doing with my escrow payments but something is n't right this place is a nightmare.I see ditech has taken but the damage is done and I dought they are going to be any better since that are really the same company. I do n't know where to go to get help with this and get honest answers. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 'm writing to complain about the money-handling practices of Wells-Fargo and its subsidiary Americas Servicing Company. 
On XXXX XXXX, 2015 we completed the sale of our home which had a mortgage through the aforementioned company. At the time of closing, there were funds due back to us from the mortgage company. 
Despite Arizona law requiring the funds be returned to us within XXXX days, Wells-Fargo has not delivered the money as of this writing, XXXX days later, on XXXX XXXX, 2015. 
A telephone inquiry to Wells-Fargo resulted in us being told that the check had not been issued until XXXX XXXX ( XXXX days after close of escrow ), had not been mailed until XXXX XXXX ( 21 days after close of escrow ), and that we should expect first-class mail in the continental United States to take 10 business days ( XXXX weekdays + XXXX weekends = XXXX days or XXXX days after close ). 
It appears that Wells-Fargo is introducing unnecessary delays into the process so they can hold money they do n't own for as long as possible. Their representative claimed that they met the requirements under the law " by issuing the check '' in under XXXX days. Apparently, the company 's definition of " issuing '' does not include putting it into the mail which they claim happened five days later. 
I 'm skeptical about even this, giving two days for first-class delivery, mailing can not have happened as late as XXXX XXXX, or the proceeds would already have arrived. 
I requested that the funds be wired to my account, but the bank claims they have no facilities for such a thing. (! ) In all, I 'm very disappointed and frustrated that this company is not following the law, nor acting ethically in dealing with consumers. ( This after years of never having a mortgage payment to them be even one day late. ) I 'd like to ask for your help in obtaining the money we 're owed from the bank, forthwith, and that you take what action is in your power to have the bank sanctioned until it can operate with honor and integrity, and within the law. 

Company response: Company chooses not to provide a public response
Consumer complaint: A company called Empire Resolutions at XXXX keeps calling my home phone. They have called my home more than 4 times looking for a XXXX XXXX ( my ex-husbands first wife ). I have no communication with her and I have asked this company to take my phone number off their call list several times. The have an automated system that keeps calling my home. I actually spoke with someone twice and asked them to stop but they still continue to call. I know my rights under FDCPA and they are not allowed to robo-call nor are they allowed to call family members, friends or third parties more than once. THEY HAVE CALLED ME MORE THAN 4 TIMES IN A 4 DAY PERIOD. Please do something about this!!! 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Blackwell Recovery contacted me to obtain access to my parents, with whom I have not lived with for 10 years. I am not personally tied to this debt. When asking about said business with my parents, the representative would not provide any information. I find it disturbing this company would contact me on my cell when I am not tied to the debt, have an unlisted number, and have registered said number on the National Do Not Call Registry ( registered in 2005 ). 

Company response: Company chooses not to provide a public response
Consumer complaint: On reviewing a recent copy of my credit report, I noticed a collection account ( XXXX ) listed for Fair Collections & Outsourcing. Evidently, the account was sent to FCO in XX/XX/XXXX. As I had never received any correspondence from FCO or the Original Credit regarding this account, this account may not even belong to me. 
As I am cleaning up my credit report and am unsure if this account is mine, I emailed FCO on XX/XX/XXXX regarding this account. Upon receiving my email, they simply sent me a letter ( which uses a name I have not used in approximately XXXX years ) with a balance owed, a date to pay by, and an indication they would mark the account as " settled. '' This is the first communication I received regarding this account and it only came after I contacted them. Also, in their letter, they failed to indicate a right to dispute. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have refinanced my mortgage XXXX times with BofA. Each time I was pushed through a process called " The '' Hustle '' program, a " high speed swim lane '' program which eliminated every checkpoint on loan quality and compensated employees based solely on the volume of loans it originated. The " Hustle '' reduced the amount of time spent processing and underwriting conventional loans, thereby boosting loan volume and revenue. XXXX of 2013 the DOJ and BofA went to court over the banks liable for misrepresenting the quality of mortgages sold to XXXX and XXXX XXXX. I would never have qualified for refinance my mortgage if any documentation were required. To obtain my mortgage not XXXX single document was required. Only my credit score. Now I qualify for a reverse mortgage but I am {$8000.00} short. I would like my closing costs reimbursed for all XXXX transactions because if I were not, and should not, have been allowed to refinance, I would be in the position to obtain a reverse mortgage without a problem. BofA will not discuss a settlement for the {$8000.00}. with me and basically totaly ignores me, does not return my phone calls and basically discounts my existence. I need help with this injustice. XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a water softener for my home through Castle Credit Corporation and water softener was installed. 
I was charge {$4200.00} for the water softener in which it was a basic water softener. 
I was n't aware of the charges and l am on XXXX XXXX XXXX and Retired. 
I am on Prescribed Medications and a Military Veteran. 
The water softener was installed at my home at XXXX XXXX XXXX XXXX XXXX, Texas.XXXX. 
I am paying {$78.00} a month with high interest and finance charges of $ XXXXXXXXWater softener was installed around XXXX or XXXX 2015.l purchase my home on a VA loan and closed escrow on XXXX,2015. 
My account number # XXXX is not listed on my credit report with XXXX XXXX XXXX. 
Castle Credit Corporation contact number XXXX and fax XXXXXXXXPlease implement this complain in another category of credit.not Mortgage 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have filed several requests to have information on my report ( as outlined in the attachment below ) blocked from my report under FCRA 605b due to identity theft. To date all Experian has done is send a form letter each time telling me that my identity theft block request is not valid because I have failed to provide the required information and gives a list of information I should send. I have sent all information on the list provided each time I request Experian to place the block. Why is my block request not being completed? 
I am not asking Experian to open a new investigation of these identity theft accounts, I am asking them to block accounts within XXXX business days as per the FCRA. 
Attached file contains my report to Experian specifiying which accounts to block, all my identifying information ( full name, list of addresses for past two years, social security number, date of birth ), a copy of my valid identification, a copy of XXXX utility bills in my name listing my home address dated within 30 days, a copy of the police report I filed in regards to the identity theft, a copy of my completed FTC ID theft Affidavit including law enforcement information. I have provided everything on your list. Please do your part and block the accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: I wasted my time and money attending the Art Institute. I am now unemployed and financially ruined. When I first attended I was enrolled in an XXXX month program which I later found out from an instructor that it would not help me qualify for a job in the field that AI advertised the program as so I withdrew. Years later I decided to try school again but this time I enrolled in the online XXXX program at the Art Institute only to find out that the students that had already graduated have no chance at employment with a degree from the Art Institute and that the school was in trouble for the scam they were running. I have since tried to withdraw from the school but their academic counselor treated me horribly for doing so. She also never withdrew me from classes during the first week of the quarter when she was supposed to so now I have to pay for another quarter because she simply wo n't let me withdraw. I 'm currently getting the run around via phone and do n't know what else to do besides continue to try to withdraw and write reviews to warn others about the underhanded tactics of this scam called an Art Institute. I have been ripped off by the Art Institute. They are stealing my student loan money and lying about how much I take out. The tuition and loan amounts dont add up. Something fraudulent is happening here. I have also tried to withdraw and was told that they withdrew me from school but I am still receiving emails from my instructors telling me that its not too late to turn in late assignments so I logged in and saw that I was lied to about being withdrawn so my GPA has tanked and I 'm being charged for classes even after withdrawing. I have talked to other current and former students of the school who are experiencing the exact same thing. This is a scam and needs to be stopped before it ruins more students financial lives. more information can be found at these links. This is another student who experienced the same EXACT thing I am currently going through. They are also switching my financial record around so much that I cant keep track of what I owe for what. XXXX Here are more testimonials from other students who have also been cheated out of education, time and money XXXX and finally, here 's a XXXX group of students who are fighting back that I am currently a part of XXXX Please help us!!! 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: My car was repossessed by Ally Financial Inc . There was an outstanding debt on the lease in the amount of {$5900.00}. An agreement was made through their attorney, XXXX, XXXX, XXXX XXXX XXXX on XXXX/XXXX/15 to settle the outstanding debt for a lump sum of {$2000.00} which I paid on XXXX/XXXX/15. On XXXX XXXX, 2015 Ally Financial Inc. who had been paid the settlement still reported to my XXXX credit report that the account was still unpaid and past due in the amount of {$3900.00}. This erroneous reporting hurt my credit and caused monetary and emotional damage to me. 

Company response: Company chooses not to provide a public response