AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am asking for your assistance with this matter of relinquishing me from this loan for this leased vehicle. 
Please understand, I was coerced in this process. Being in an abusive situation for four years I did n't have any rights or choices for myself. There was no option for me to say no I am not co- signing, I chose to LIVE as the option when I signed my name. Now that I 'm free from my abuser I still am unfortunately binded in a situation with coerced debt. I have never driven the car, do not have a key, the car is not in my possession, I ca n't make any transactions with XXXX XXXX, collaborate or consult with him, because I fear for my life. 
I would like my name to removed from the loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX 2015, we verbally appealed the first and second mortgage modification offers provided by Wells Fargo to our underwriter XXXX XXXX. We appealed to include a principal reduction. One of the benefits of receiving this would assist our underwater mortgage. A condition we had asked Wells Fargo to help us with several years earlier when H.A.M.P was introduced to assist mortgages like ours, when a hospitalization caused a financial hardship for our family. However, our home was refinanced with our second mortgage interest rate raised. We were told by a representative of Wells Fargo that this action was taken because according to Wells Fargo, we could afford a home that was underwater. For this reason our home was financed without that assistance. 

We are asking for assistance to expedite our appeal, as we have been working to create a healthy mortgage that we can resume paying after our trial payments our finalized. Instead of receiving an answer to the appeal we have been waiting to hear back about, we were sent a letter dated XXXX XXXX, 2015.This letter was received by us on XX/XX/2015. It states Wells Fargo will review our appeal. We are concerned that there is no indication Wells Fargo received our appeal within the time limit given to us by XXXX XXXX. Wells Fargo received a copy our letter XX/XX/2015 through the XXXX XXXX XXXX. XXXX stated to us that she would include a note to communicate her approval of our appeal. This was approximately two and a half months ago. 
We wanted our appeal to be given time to be reviewed thoughtfully, and so we assisted Wells Fargo when asked to put this verbal appeal in writing. We did so with expediency to help Wells Fargo and we continue to do so in whatever way we could to create a healthy mortgage for our situation. We have until XXXX to amend this issue, as we are now official in court proceedings. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid my my co-pay to XXXX XXXX XXXX in XX/XX/XXXX for my XXXX. I never received a bill for charges beyond that. PDQ Services, INC has looked into my credit it seems over the years, my husband and I filed for bankruptcy in XX/XX/XXXX. I disputed the information this XXXX XXXX because I got a hit on my credit AGAIN. In the dispute it was stated that the debt was not included in my bankruptcy because it had been paid- I PAID MY MEDICAL CO-PAY for services rendered- again with no notification of owing more than that. Now they are sending me letters stating they contacted their client XXXX XXXX XXXX to verify the debt. 

I called today to speak with XXXX as I have moved away only to find the office has been CLOSED. There is no forwarding number, website or information. I do not know who PDQ is contacting because XXXX XXXX XXXX is out of business. 

I am so frustruated, my credit score has dropped XXXX points in the last month due to this improper collection. When I tried to call today to get information on who they spoke to I could n't get the person who was trying to collect from me on the phone. This is now 5 years later. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Went to hospital Got tests done on my son Was not sent a bill saying I owed money to the hospital. 
Then just got a flag on my credit report while I 'm trying to buy a new house that we owe {$3100.00} and its flagged for XXXX which I took my son to hospital in XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: My Volvo was in a collision on XXXX/XXXX/2015. The damage resulted in the car being a total loss. The insurance paid the leasing company, US BANK, less our {$500.00} deductible. 
Our lease payment is due IN ADVANCE of use on XX/XX/XXXX ... Every payment has been made on time. I made the payment of {$470.00} for XXXX 2015 and I believe that amount should be credited to the {$500.00} deductible since I did not have use of the vehicle for the month of XXXX which I paid. I have been fighting wit US Bank for over 9 months about this and they refuse to credit the payment. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was issued a mortgage with VanDyk Mortgage in XXXX 2015. In XXXX 2015, I submitted my first mortgage payment and have been submitting on-time payments since. After 3 months, I noticed that my mortgage had not been reported to any credit bureaus, so I contacted VanDyk Mortgage to find out why the mortgage had not been reported and no one could provide an answer. I emailed a representative a written request to have my mortgage reported and it still has not been done. I have made several attempts to rectify this situation and after 9 months, it has still yet to be rectified. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Regions mortgage changed by mortgage to over {$140.00} at the beginning of the year. This was supposed to be for a " cushion '' on the Escrow account. Additional to the monthly amount, they also assessed a " cushion fee '' of a few hundred dollars, which I was not allowed to pay in parts. Besides that, they had been changing me over {$330.00} per month on Private Mortgage Insurance ( PMI ). Earlier this year, when a law was passed so that FHA loans would pay far less Insurance Premium, I called Regions to get a " the law is too recent and we have not established changes to procedures/PMI '', while I was getting offers to reduce this from other mortgage brokers. I did not refinance because I did not have the money to do so, thanks to the undue burden placed on me by Regions. These unnecessary extra charges of almost {$500.00} forced me to sell my house as it was just too much of an expense. Now I am forced to live in a rented apartment. Also, since all these charges were just too much for me, I was late on payments and Regions assessed {$120.00} for late payments. It is incredible that anyone would think that charging that much would be conducive to catching up on payments. It seems Regions was eager for the loan to default. Perhaps they wanted to keep the property as it had appraised significantly. Furthermore, Regions has taken over 50 days to refund me the escrow account balance, due to several mistakes, sending the payment to my old address ( the house I sold ), despite my phone calls and letter mailed to them with my new address. I mailed such letter the same day the sell closing took place. 
Please investigate this mortgage company as I am sure there are plenty of mortgagee suffering because of this. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX accounts were recently removed from my credit report in error and Experian refuses to correct this. XXXX of the disputed items were removed in error on THEIR end, as I disputed the payment status and comments ONLY and they removed the entire account. They sent a letter saying that they will not add information from a third party, consumer. This information had already been on my credit report! This is also my XXXX letter being sent to them. The XXXX item was disputed in error on my end and I asked for this to be re-inserted and that is when they sent the letter stating they will not re-insert. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am just at my wits end. I am being threatened with a suit by some huge Law Firm called Mandarich Law Group , LLP for a debt I have no knowledge of. I am a victim of Identity theft and I have lived at my current resident for several years and I have never received a notice from this law firm until now. 

In addition, they ( Mandarich Law Group ) claim they are collecting for their client who is XXXX XXXX XXXX whom I have never been contacted by, however they are a collection agency. The collection agency according to my credits says they are collecting for XXXX? 

Is this legal can I in fact be sued for something I know nothing about? I was never contacted by XXXX who is suppose to be the original creditor, nor have I been contacted by XXXX , XXXX who is suppose to be the collection agency collecting on behalf of the original creditor. 
I was only contacted by the law firm with a DEMAND letter dated XXXX XXXX, 2015 that I received on XXXX XXXX which they said in the letter I have 10 days to respond when I received the letter 10 days from the date of the letter. 

Company response: Company chooses not to provide a public response
Consumer complaint: First of all BCA Financial is trying to collect a bill from University XXXX that does not exist. When I called University XXXX they said there 's no balance such as {$2700.00} from XX/XX/XXXX/2008. 
Second of all, even If I owned it should not being reported to the credit agencies because they are saying the procedure and the bill was in XX/XX/XXXX/2008 which is over 7 years to be reported. 
I already gave them the opportunity to remove, but they said they wo n't to remove. 
BCA Financial XXXX XXXX - XXXX # XXXX XXXX XXXX billing dept : XXXX XXXX University XXXX : XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hi, I am an account holder of American Express Macy 's credit card ending XXXX. There were XXXX fraudulent transactions of {$200.00} each dated XX/XX/2015 totaling to amount {$620.00}. I closed my account instantly and AMEX sent me a new Credit card ending with XXXX. 
Due to automatic payment set up for my credit card, the payment of {$890.00} was made to AMEX as on XXXX/XXXX/2015 which was inclusive of the fraudulent charges. I have been following up with AMEX since last 3 months by phone and written communication to reverse the fraud charges but all they have been doing is to confuse me and pass around different supervisors and fraud team. I had sent the fraud claim form with scanned copy of my Driving license using priority shipping as a prerequisite and they do n't seem to acknowledge that they have received the form. 
They have also disabled the viewing of the online statement as the account was closed and after requesting them repeatedly to send me the latest statement they have just not done it and neither have they bothered to call me back ever when I was told atleast 5 times by the call center rep that a Supervisor will be calling me to discuss my case completely. 
I am completely helpless on the solution to my problem. I have bank statements and responses from the AMEX team proving my point. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: my husband and i, 10 years ago obtained a mortgage thru XXXX XXXX Loans, unbeknownst to us it is a 30 years ARM that adjusts every 5 years and is owned by America 's Servicing Company.As of XXXX it has doubled. We applied for loan modification right away, an appraiser was sent to my property to do an external appraisal. This is my first issue, the appraisal is full of such inconsistencies that its fraudulent and the valued of my home that had an appraisal for this mortgage for {$110000.00} was now valued at @ {$61000.00}. I pay property taxes based on XXXX Now i 'm faced with a mortgage i cant afford, a fraudulent appraisal on the XXXX now that values my home for XXXX for what i owe on it. 

Company response: Company chooses not to provide a public response
Consumer complaint: Repeated robocalls from various numbers asking for XXXX XXXX. I 've spoken with live operators to notify that the person they 're calling is not at this number and have asked my number to be removed several times, but I still receive these calls. They claim they are debt collectors calling on behalf of XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a cash advance balance on my credit card with an extremely high interest rate. I pay more then the minimum every month and per my statement anything over the minimum is to be applied to the highest APR. Last month I paid the minimum and then made a lump sum payment equal to the amount of the cash advance to get rid of it. Bank of America applied only {$500.00} to the cash advance and the remainder to the lowest APR balance. I went back over the last years statements and they have done this every single month causing my cash advance balance to skyrocket with interest while never allocating any of my payments to that higher APR. 

Company response: Company chooses not to provide a public response
Consumer complaint: Due to a pending divorce, my wife decided not to make the car payment for 3 months. As a result of this, the vehicle was repossessed. Ally financial, the loan originator, sent me a letter on XXXX stating their intent to sell the vehicle by XXXX. Their letter stated that I could get the vehicle back if I paid the past due payments plus late fees and towing charges. The letter instructed that I could make the payment by cashiers check, XXXX XXXX or money gram. After contacting ally on XXXX for the exact amount owed to get the vehicle back, I made a payment of {$2700.00} via XXXX XXXX by phone as instructed per their letter. 4 days later and hours spent on the phone and they still have n't released my vehicle to me. The reason they state is that I used XXXX XXXX speed pay instead of XXXX XXXX quick collect. Nowhere in their letter does it specify to use XXXX XXXX quick collect. I have paid the balance in full and ally refuses to either refund my money so I csn pay via quick collect or release my vehicle to me. Ally has stated that they will apply my payment to the remaining vehicle balance but that is not why I paid this amount. {$2700.00} was paid to ally for the sole purpose of getting my vehicle back from repossession. This is fraud and deceptive business practices. I have also contacted the Missouri attorney general to file a complaint. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is not responding to my requests to investigate, verify and remove accounts from my credit report that do not belong to me per The Fair Credit Reporting Act. 

Company response: Company chooses not to provide a public response
Consumer complaint: i had an account with XXXX I opened with my daughter in XX/XX/XXXX. I purchased XXXX phones. In XX/XX/XXXX, I paid off the phones and cancelled my service and left my daughter on the T-mobile account. She was paying the bill. The bills were forwarded to HER home in N.C. and she was paying them. Around XX/XX/XXXX, my daughter purchased a 2 YEAR contract w/an XXXX. I was contacted when she wanted to purchase the XXXX and I told XXXX I was no longer the owner of the account again. They again removed me from the account, approved my daughter for the XXXX and I thought that was the end of it. Then I stopped receiving my mail all together, and discovered a change of address had been put in for me so I called the Post Office and had my mail switched back to my home and I discovered XXXX was charging me for 'something ', so I called and told them I did n't have an account. They said they fix it and again I thought they 'd figure it out. I confirmed with my daughter that she was paying her bill because I continued to get bills saying my account was over due, but she assured me she was paying, so I ignored it, and figured we were just being double billed. Finally in XX/XX/XXXX I received a collection notice, when I called I was told it was for an XXXX. It turns out that XXXX was billing me for her XXXX and billing my daughter only for phone service. They were trying to hold me accountable for her purchasing the phone but were billing her for the monthly service. I called several times with my contract showing I never authorized anyone other than myself to purchase or use my account. While this point is moot as I cancelled my account in XX/XX/XXXX. There are numerous calls from me cancelling the account, and my daughter opening an account. The account my daughter opened was a special account that allowed for a two year contract with the purchase of an iphone. XXXX used my credit to give her an XXXX. I spoke with several representative there, and my daughter does n't have a problem paying for the XXXX under the terms she thought she was agreeing to, i..e a two year plan which included the price of an XXXX. I am not responsible. Further I should n't be in collections. I called this evening after having been promised that I would be removed from collections, the outstanding balance would be transferred back to my daughter 's account, she could pay over the term of her contract as it was stated and that my credit report would be corrected. Now, I 'm being told by XXXX that they ca n't do it. It 's been too long they are n't resposible. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/XXXX we were notified by email of possible fraudulent activity on our Bank of America credit cards. Our cards were cancelled, a fraud report generated, and new cards were promised to arrive XXXX. 

On XXXX/XXXX/XXXX only XXXX card was delivered ( 1 day late ) for XXXX of the XXXX account holders. A complaint was then issued for missing card. New card promised to arrive XXXX. 

XXXX/XXXX/XXXX Received shipping notice that missing card was delivered ( again 1 day late ), but no card had actually arrived. Complaint issued. On the same day there was further suspicious activity ( a declined XXXX cent charge ), so both card were cancelled. XXXX new cards were promised to arrive XXXX/XXXX/XXXX. 

As of XXXX/XXXX/XXXX, no cards had arrived. Called BofA, and they said cards were never mailed ( admitted their mistake ). They said the order was still " processing ''. We were told new cards would be expedited and would arrive on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX we received an email from BofA saying new cards would arrive in 5-7 days. I called again, and they said they would expedite a different set of cards that would arrive on XXXX/XXXX/XXXX. I 'm not holding my breath! 

Company response: Company chooses not to provide a public response
Consumer complaint: I would like to file a formal complaint against my current mortgage servicer, SPS ( Select Portfolio Servicing ) I am in the process of applying for a loan modification with SPS. Letter dated XXXX XXXX, 2016 ( attached ) indicates I have until XXXX/XXXX/16 to complete the application process. I received a 2nd Letter dated XXXX/XXXX/16 ( also attached ) indicating that my home is scheduled for Foreclosure on XXXX/XXXX/16. 

Please advise. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My wife and I have been behind with our monthly mortgage payment. In order to bring the mortgage current we should come up with {$8200.00} which is what we owed. On XXXX XXXX, 2015 we entered in 3 months agreement plan with Shellpoint Mortgage Servicing. They asked {$2000.00} down to start the plan. We provided it to them right on the spot over the phone. The plan has set for the months of XXXX, XXXX & XXXX. According to the agreement if we kept it, in XXXX we should start paying regular monthly mortgage. Which supposed to be {$820.00} according to the original loan but Shellpoint has " jack it up to {$1100.00}. We will comeback to this point, let 's finish with the payment 3 months payment plan. On XXXX XXXX, we called we made a payment of {$2800.00} for the month of XXXX. They are classified this payment on credit report as XXXX payment. The {$2000.00} down showed that withdrew to XXXX XXXX ID XXXX $ XXXX {$5.00} fees transaction XXXX/XXXX/2015. 
On XXXX XXXX, 2015 we mailed a {$2900.00} cashier 's check. When we called on XXXX XXXX to make the final payment. They indicated they never received payment for XXXX. We made a {$2700.00} payment which should conclude our agreement. Because they said they did n't receive the check we sent, we went to the bank to verify. The XXXX has given us a copy of the check has cashed on XXXX XXXX by Shellpoint. After all those things, surprisingly Shellpoint sent a letter to inform us that we did n't keep the agreement is null. They ask {$4400.00} when we asked the representatives why is that money for? One of them said attorney fees and others. When called multiple times to ask representatives to review our account, some of them said they saw the amount of {$2900.00} check some of them said they do n't see it. Now they intent to foreclose in our mortgage even through we paid them. We have contacted XXXX as XXXX XXXX. They were helpless. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Since " hard entry 's '' are of public record -- I choose that area as the area I wish to dispute. 
I just reviewd my Credit Report completely looking at each section and what it means. I read about the hard credit inquiries and I dispute that XXXX had my permission to check my credit. I called them to ask questions about their services because I was thinking about changing my carrier. I WAS NOT ready to change carriers at that time. Just inquiring about their rates. I DO NOT think I should have a hard entry from them on XXXX XXXX, 2015! I only asked questions over the phone about the rates and promotions that were available at that time. I do not remember being told they were going to check my credit because I was not ready to go to the next step to start service with them and change carriers. If I had been informed, I would have told the agent, " NO! DO NOT Check My Credit! I am Not ready to change carriers yet! '' So, I would like this " hard entry '' from XXXX removed from my credit report. Thank you in advance for your attention to this matter. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I cant never get a credit score because they say that 's not me 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I sent Sunrise Credit Services to certified Validation of Debt letters. They never responded to my request and never gave me any prior notice of this debt. My understanding of the Fair Credit Reporting Act they are required to provide me the information I requested and if they do n't they are required to remove this negative report with the CB. Furthermore, they ran my credit without oral or written authorization damaging my credit as well. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: After making disputes via online, Experian has blocked me from making further disputes online including updating my current address with them. I have a new dispute regarding XXXX new credit card that I 've received and XXXX of them has already reported to Experian inaccurately, however I ca n't dispute the inaccuracies via online, even though I 'm a paid Experian member. 

Company response: Company chooses not to provide a public response