AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XX/XX/XXXX my XXXX year old father got XXXX into renewing his lease on a Nissan Altima that was about to expire and the local Nisan dealership contacted him with a year end leasing deal on a XXXX Nissan Altima without taking into account that he was only driving XXXX miles a year. As soon as he drove the new ( the XXXX 's were already being sold ) off the lot he lost about {$2500.00} which was not accounted for in his lease. I took over his finances in XXXX as he was diagnosed with XXXX and tried to renegotiate or get out of the Lease which was for 39 months at {$410.00} per month and allowed XXXX miles. 
Nissan Motor Acceptance would not negotiate and said even if he could not drive due to his XXXX he was liable for the full amount of the lease. So we sucked it up and paid it for 39 months and turned it in with XXXX miles or XXXX % of his available mileage. The car had a small XXXX inch tear in the front bumper cover which Nissan claimed as chargeable wear and tear and they also wanted {$390.00} for a disposition fee and would not budge on both despite repeated calls and E-Mail complaints to Nissan Motor Acceptance about the charge totaling {$950.00}. After sending only XXXX statement with a due date of XXXX XXXX XXXX they sent this to a collection Agency on XXXX XXXX XXXX instead of negotiating with me a reasonable settlement based on the low miles on the vehicle. 
I would be willing to settle this for {$250.00} as my Dad is now XXXX and in an XXXX and does not have much money left. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My husband and I have a joint VA guaranteed mortgage that is currently being serviced by Loan Depot. My husband and I received a notice from Loan Depot dated XXXX/XXXX/XXXX, that our escrow account had a shortage of {$570.00}. On the notice it clearly says that if we pay the extra escrow amount required, our monthly payment will increase from {$2400.00} to {$2400.00} ( due to expected increase in property taxes and homeowners insurance ). However if we did n't pay the extra escrow, the notice clearly stated that our monthly mortgage payment would increase to {$2500.00}. 

On XXXX/XXXX/XXXX, I paid the escrow shortage through Loan Depot 's pay-by-phone system. My intent in using the pay-by-phone system was so that the escrow payment would be credited to our account before the next regular mortgage payment date of XXXX/XXXX/XXXX which would ideally allow us to avoid our monthly payment increasing to {$2500.00} Unfortunately, my husband and I were direct debited on XXXX/XXXX/XXXX for {$2500.00} instead of the correct amount of {$2400.00}. When I looked at our mortgage account online, I discovered that on XXXX/XXXX/XXXX, Loan Depot 's pay-by-phone system had applied what should have been our escrow payment to the principal of our loan instead, which made it appear that we had not paid the escrow shortage when we actually had. On XXXX/XXXX/XXXX, I called Loan Depot 's customer service center to clear up the issue. The representative assured me that they would move my payment from the principal part of our loan and apply it to the escrow portion of our loan account. He also told me that this would clear up the issue so that we would indeed be debited {$2400.00} for our XXXX XXXX loan payment instead of {$2500.00}. However on XXXX/XXXX/XXXX, my husband 's and by bank account was again debited for {$2500.00}. I called Loan Depot 's customer service center again today, XXXX/XXXX/XXXX and when I described the problem to the employee, her first response was " well do you know you have a escrow shortage? ". I informed her that the escrow shortage had been paid on XXXX/XXXX/XXXX. She checked her records, and then put me on hold. She came back and told me that " the reason my monthly payment was increased by {$5.00} was for increased property taxes and homeowners insurance. ". I could n't believe it! It was like she had never heard me describing the problem in the first place. The employee seemed so confused that I asked to speak with a supervisor, She then put me back on hold which lasted 15 minutes before I gave up and hung up. 

My husband and I are fine with paying an increase of {$5.00} in our monthly mortgage loan payment but as of right now Loan Depot is charging us {$47.00} more in our monthly payment ( the difference between {$2500.00} and {$2400.00} ). Basically, Loan Depot is treating our account as if if we never paid the escrow amount they asked us for. Further they are not timely in rectifying the issue for my husband and I. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Loan was sold to Specialized Loan Servicing from XXXX XXXX in XXXX, XXXX. Received letter stating SLS is the new servicer in XXXX, XXXX. Never heard anything else until a voicemail message left on home phone on XXXX XXXX, XXXX stated we were delinquent. XXXX payment was received by XXXX on XXXX XXXX. 
I attempted to call SLS and set up automatic payment for XXXX, and SLS informed me that I would have to pay by check and set up for next month. Just received statement for XXXX/XXXX/XXXX stating that we are in arrears again for XXXX and XXXX payments. Sent in check for total amount, and today voicemail on home phone claiming we are in " serious delinquency ''. I still do n't know whether their system has taken our automatic payment, and if the payment is received. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I would like to know who owns a home equity loan. I keep getting correspondence from XXXX banks. This loan was originated by a different bank and has been sold numerous times. I want to know which company OWNS this loan not which company services the loan. When was this loan acquired and what is the balance. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is my XXXX dispute with this company regarding inaccurate information on my credit report that does not belong to me. This company has failed to produce any information whatsoever that proves these accounts are mine. Not only that, but they have/had multiple addresses on my file that do not belong to me. Therefore, the inaccurate information on my file may either be a mismatch of information with another consumer, or identity theft. I have disputed this information without success and my next letter to them will be an Intent to Sue. I have never disputed anything on my file previous to these disputes and I received a notice from Experian stating that without further documentation from either the creditor or the courts they will not reinvestigate. This is in violation of the FCRA and XXXX opinion agrees with me. Once I notify the bureaus that there is inaccurate information on my file, they must conduct a reinvestigation within 30 days and under section XXXX promply delete unverified information. Your response states that you will not reinvestigate specific accounts on my credit without an update from the court or the original creditor. This is a violation and the Congressional opinion from a lawsuit will prove this. I have notified you that these accounts are inaccurate on my credit and you must reinvestigate ; if you do not, you are in violation of sections XXXX ( a ), XXXX and XXXX of the FCRA, XXXX XXXX XXXX ( a ), XXXX and XXXX. XXXX ( a ) places the burden of investigation squarely on the consumer reporting agency and by stating that I must handle this myself with the original creditor, you are in violation of said statute. 
Be aware that once I state that no reasonable reinvestigation has taken place, I will also have a separate claim pursuant to XXXX XXXX a ). I am including a lawsuit, XXXX vs XXXX XXXX now Experian XXXX XXXX XXXX XXXX. My lawsuit against your company will include violations of the same statutes, XXXX U.S.C. XXXX. A consumer reporting agency that negligently fails to comply with FCRA 's requirements is liable for actual damages, costs, and reasonable attorney 's fees. XXXX XXXX. XXXX. Willful noncompliance renders a consumer reporting agency additionally liable for punitive damages. XXXX XXXX. XXXX. You have shown negligence and willful noncompliance by failing to delete promptly inaccurate or unverifiable entries on my report. 
By stating that I must resolve the problem with the creditor or that without an update from the creditor or court, you are in clear violation of XXXX XXXX XXXX XXXX XXXX a ) and XXXX ( b ). This position has been rejected by the United States Courts XXXX. Rather, the statute places the burden of investigation and reinvestigation squarely on the consumer reporting agency. 
Not only that, but I disputed a bankruptcy on my account that does not belong to me and it came back as verified, yet when I wrote to the court, they stated that they do NOT verify with the CRAs, therein making this account unverified and must be deleted. 

Company response: Company chooses not to provide a public response
Consumer complaint: Navy Federal refuses to transfer money from my checking account to my credit card. They refuse to send me their arbitration certificate which is stated in their membership agreement is available. Every time I call Navy Federal they disconnect the call or place me on extended hold periods. They mishandled a dispute and recharged my credit card and a credit card that I am an authorized signor on. Navy Federal refuses to provide me with information regarding their alleged investigation and the information on why they denied my claim. I am also not receiving paper credit card statements in the mail, I receive emails to view my statement online but my online access is blocked. I want to records of all the statements that have been mailed.
Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been trying to work with Bank of America since XXXX 2015 to sell my house. 
I am not able to pay for it. I have done everything they have asked of me. They have priced the home to high and rejected the only offer we received. I have had it sitting vacant since XXXX 2015. I have asked over and over to talk with people and help. They do not answer questions, and when someone calls they just say they are doing a check in and they cant assist me in that issue. I want to short sale or deed in Leui the home. But I am getting nothing but the run around. No help has been given. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I wrote a dispute letter to TransUnion on XXXX XXXX, XXXX notifying them that they were reporting inaccurate credit information on my report. This letter went unanswered. Therefore, I wrote another letter on XXXX XXXX, XXXX to notify the credit bureau that my previous request for investigation had gone unanswered. As a courtesy I included a copy of my first letter as proof. I requested the item be removed as a proper investigation had not been conducted nor a timely response within 30 days as outlined in the FCRA sent to me. The FCRA states that if a credit bureau fails to conduct a reasonable investigation or respond to a request for investigation of a negative item, then they must remove the item from the consumer 's file. It is now XXXX of XXXX and no resolution of this issue has been made by TransUnion. The credit bureau, TransUnion, is in violation of the FCRA and should give this matter the immediate attention it deserves. This item should be removed from my credit file immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went into my credit union to get a replacement card and they asked if i was interested in refinancing my car. They worked the numbers up after getting the final payoff amount from XXXX XXXX and I saved {$200.00} a month. I agreed to the new loan, they issued the payoff check and I sent it to XXXX XXXX. I just moved house and had not received anything from XXXX XXXX so checked online and found out there was still {$5000.00} owing on the car - the credit union issued the check at {$5000.00} less than the payoff. I immediately call them and they tell me they can see where their agent made the mistake and I could either recall the payment from XXXX XXXX and stick with the original loan, add {$5000.00} to my current loan increasing the payment by {$100.00} more than what they quoted me and adding another year to what I originally had or they would give me the original terms and save {$30.00}. I told them they needed to fix it as I am now required to make a payment on the original XXXX XXXX loan and with their loan, I now have a car payment of nearly {$900.00} instead of {$390.00} which is what they quoted and agreed to. I asked them to contact the original rep and have her fix it and they said no, would have to drive from new york where i now live to va - XXXX hours away and go into the branch. The phone agent was nice, the supervisor was awful and told me it was my own fault for not checking with XXXX XXXX sooner. 
I explained that i had XXXX, left my husband and had to move my house and business all in a 3 week span and she was not being very helpful. They can see in their system what the correct payoff amount was and that their agent clearly made a mistake and she refused to do anything and again told me it was my fault that I did not check with XXXX XXXX sooner. I was clearly mislead into this loan and they are trying to make me pay more than the terms that were laid out 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Mortgage was sold by XXXX to Loancare. Received letter from Loancare dated XXXX/XXXX/XXXX ( I did n't open until XXXX/XXXX/XXXX ) informing me that the loan was transferred and to make payment to Loancare. Attempted all day that day to get on Loancare web site to make payment. It allowed me to create an account but would n't allow me to enter my account. Next day XXXX XXXX/XXXX/XXXX XXXX tried again unsuccessfully to get into web site. Called customer service number. Unable to reach a human being. Entered all information computer asked for : they had no record of our loan number, social security number or zip code. Mailed a letter to Loancare, XXXX. XXXX XXXX, XXXX XXXX, VA XXXX, via certified mail return receipt requested informing of situation and requesting response. Received return receipt XXXX/XXXX/XXXX. To date have not received a response to the letter. XXXX XXXX received XXXX letters from Loancare, XXXX dated XXXX and XXXX dated XXXX telling me that my loan payments were late and they were going to start collections, etc. Went online that day ( XXXX/XXXX/XXXX ) and this time the website allowed me in to my account and allowed me to make an online payment which I did at XXXX which consisted of two months ' payments plus my usual extra principal of $ XXXX/mo for a total payment of {$2700.00}. Attempted to register at that time for auto draft, but got message that late payment had to clear before registering for auto draft. Went back online on XXXX/XXXX/XXXX and successfully ( or so I thought ) registered for auto draft. Set up draft effective XXXX/XXXX/XXXX with a draft date delay of 4 days so that the payment should have been drafted XXXX/XXXX/XXXX. Fortunately I made an entry in my calendar to check to see whether the mortgage was drafted. Checked today ( XXXX/XXXX/XXXX ) and sure enough, the payment has not cleared my checking account. Signed into Loancare 's web site and see that they have not taken the payment. Made a one-time payment online of the regular monthly amount plus extra principal. 

Company response: Company chooses not to provide a public response
Consumer complaint: On Monday XXXX, 2016 I deposit an IRS check totaling the amount of XXXX this check was made out to my husband and my self ; I deposit the check into XXXX of our account with both of ours names ; I received a deposit receipt confirming the deposit. The very night i received am email advising the total amount of the check was cleared and available to us ; On Tuesday morning i receiving an email and text from the bank advising my account is overdrawn. I contacted the bank and was told our check was placed on suspension and to call back at XXXX. We spent the entire day on XX/XX/XXXX going to XXXX branches to trying to get this sorted out ; to no avail still no resolution.I spoke to a manger as i acquired several overdraft fees and several payment to creditors was in jeopardy in been return by the bank ; I was assured the bank will refund all overdraft fee and will mail a letter for me to provided to my creditor that states due to a banking error my account was affected. This never happen I spoke to megan a manger who ill informed me and did not act in good faith to correct this banking error ; the bank still did not correct the issues i was told a escalated resolution center will be looking into the matter and the money should be deposit in my account within 24-48 hours this never happened I called again on XX/XX/XXXX and i was told the check was mailed out to me on XX/XX/XXXX the same day i deposit the check ; the manager i spoke with was apologetic but had no solution to offer expect that i should added an middle initial of XXXX to my name as this was the only issues he noted with the check ; my name does not appears like this on my check book or my driver license ; he stated when i get the check in the mail i might encounter the same issues although ; I am angry ; as this is not only affect my relationship with bank but also my outside creditor and credit score as i made payment to many account that the payments will be late or returned. I was told by the manager that my check was put the mail ; it appears that the the resolution and adjustment department did not address the issues. Instead the case was and closed without an explanation. I have to wait until the XX/XX/XXXX for my check to be mail to me. In addition i am concern that this large check can go lost in the mail and who will be responsible at at point. I need help this is not right it has effected my entire family plan and my financial well being. i am concern about my credit score and creditors. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX 2015, I attempted to have XXXX XXXX installed. The installer came to my house to attempt to set up a phone jack in my apartment in order to connect my services. He informed me it would be extremely difficult and the connection would be terrible so I cancelled the appointment, cancelled my services with XXXX and returned the unopened modem. The person left within 20 minutes. Since then, XXXX has made several attempts to collect different amounts for services I never had. I 've disputed several claims from XXXX different collection agencies and spoken to XXXX many times over the course of a year to stop receiving these claims, but here I am, a year later, still disputing these charges, despite XXXX representatives telling me that the file is closed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Calling a place of business repeatly after bring asked not to call a place of business to locate the debtor. Calls occurred XXXX XXXX XXXX and again XXXX XXXX, XXXX. 
Company is Express Recovery Services, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX https : //www.expressrecovery.com 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On XXXX XXXX, 2016 I received a phone call from ( XXXX ) XXXX XXXX at XXXX am EST, stating she was a debt collector from XXXX in XXXX. I live in XXXX and asked that the bill be sent to me. The agent refused and said I needed to pay and that " we sent you the bill you just trashed it '' at that point I told her the phone call is recorded and she laughed and ended the call. I as simply asking for the bill to be sent to me and telling me that I " trashed '' the bill instead of sending it to me is completely harassing and making lude comments about throwing things away is unnecessary. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: PayPal has issue me a debit card MasterCard which is issued by XXXX. PayPal states that this is the only " instant access '' to the funds in my account. When I try to use the debit card, I get a decline with every transaction. I then have to call into the PayPal debit card department and they will temporarily fix the issue. Each call to PayPal takes approximately 30minutes. And with each call I am informed that there is not fix to this problem. I have been told that is is because of receiving funds through paypals payflow merchant processing service. I also took advantage of their working capital loan and they told me it was because I have that money in my account. In either case, they are not doing what they state they do, they are not allowing me instant access to my funds. Sometimes I get a decline message only to call their debit department and find that they are closed for the day. Which leaves me stranded with no access to my funds. 
The interesting part is that they block me from my own funds even when I attempt to use the PIN number yet when my loan payment is due they always are able to automatically withdrawl their payment from my account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/2015-Checked in one of XXXX hospital 's XXXX XXXX XXXX for XXXX. Was there for about 45 minutes before release. My XXXX was taken three times, XXXX XXXX and XXXX was done, they tried getting me to do an XXXX but I refused. Upon leaving I asked for my bill, they insisted on sending it to my house. I begged the receptionist to at least collect my XXXX % and she did collect {$49.00}. During the course of the next two weeks I received several bills from XXXX hospital, XXXX XXXX Hospital and XXXX XXXX Care all the bills were for the same amount {$1.00}, XXXX. I call the number on the bills and they all led me to XXXX hospital. I provided them with my Insurance Information, XXXX paid them a portion and I paid my remaining portion and it was over with. Exactly 1 year later now, I received this notice from a collection agency, it appears that someone got a Judgment against me for the said amount and sold my information to this collection agency without my being aware of any of this. According to the collection agency this information is already on my credit report. Please help me. 
My Information was sold to XXXX XXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX and the one who is now harassing me - Credence Resource Management LLC, XXXX XXXX XXXX, XXXX, XXXX XXXX. Phone : XXXX. They also have a XXXX XXXX. address : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Phone : XXXX. I do not know any of these people and have never done any business with them. If this his is how XXXX Hospital handles patients private and confidential information it really is a disgrace. 

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