AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX/XXXX/15 I went online to research car refinance rates in my area. I used XXXX and found a site that I understood would provide me with the prevalent rates in my area. They required some personal information to identify the best rates. I completed the form and submitted the information. In no way did I request or apply for a car loan as I only wanted to research current refinance auto loan rates. Unfortunately this site uses deceptive messaging and serves as just a marketing gateway to lenders which consequently ran my credit XXXX ( XXXX ) times thus affecting my credit report/score. Unfortunately I deleted my browser history and do not have the name of the deceptive website but i do have the names of the XXXX finance companies that deceptively acquired my personal information and ran my credit report resulting as a hard inquiries on my credit report. 
I have attempted to contact the XXXX companies in question to no avail as they all have stated they are not responsible for the deceptive practices of the original website. I disagree and would like them to remove the inquires in question on on my credit report. 
I 'm respectfully requesting assistance to have the companies in remove their respective inquiry from my credit report. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I received a letter statementing that I will start being charged for prior service fees/expenses that were incurred and paid for while green tree was/is servicing my loan ( that date back to XXXX XXXX Green Tree has been servicing my loan for about a year and a half now. The expense description is " appraisal-inspection fees '' in the amount of {$15.00} each totaling {$300.00} for outstanding balance which they are roll into my monthly payment. They can give no further explanation or information other than they were previous fees and from a previous servicer that I am required to reimburse them ( green tree ). This is the first I have heard of these fees in the 10 years I have had this loan, it was never disclosed to me nor authorized by me. I have also on several occasions been yelled at and talked to in the most absurd unprofessional manner. I have major concern that these are not legitimate charges. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo Bank Changed the Routing Numbers without any notication causing my car payment made online to be returnded causing late payment fees 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX OH, XXXX has left XXXX voice mails on my cell phone stating they are EIF Collections, a debt collector, and that I should call XXXX extension XXXX. I am assuming this is a fraudulent call, because I have $ -0- debt, other than credit cards, which I pay monthly when the bill comes, and a car payment, which I also pay on time monthly. I just now checked both mine, and my husband 's, free annual credit reports, XXXX, both of which indicated no issues at all. They also did not indicate any credit cards etc., other than those actually opened by ourselves. Thus, thankfully, there is no sign of ID theft. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: On XXXX XXXX, 2015 I closed on a mortgage loan from the Universal American Mortgage Co to purchase a new home. I advised the mortgage company representative that I would likely payoff the mortgage in the near future and inquired if there were any prepayment penalties or expenses. I was assured there were not any of these. When I closed on the sale of my former home on XXXX XXXX, 2015 I called the company and asked for payoff information to payoff the mortgage on XX/XX/2015.. I did not receive the requested information and after several calls submitted an email. I finally received a call advising of the following : 1. My loan had been sold to a loan servicing company to be effective XXXX XXXX, 2015. 2. I could not payoff the loan until I had submitted the XX/XX/XXXX payment to the original company. 3. On XXXX XXXX, 2015 I would then need to call the new company - The XXXX XXXX XXXX to arrange for payoff. 
This decision or possibility was never disclosed during the loan process and will require me to pay over an extra month of interest. 

Company response: Company chooses not to provide a public response
Consumer complaint: A kross, Lieberman & Stone representative, XXXX XXXX, initiating contact about a debt their company is attempting to collect on XXXX XXXX, 2015. XXXX XXXX identified the debt as XXXX XXXX XXXX. On that day, I informed XXXX XXXX not to contact me at my place of employment ; and that the debt is being disputed. XXXX XXXX, the representative the company refused to give me her information, spoke in a threatening and belittling manner. She contacted me by phone again on XXXX XXXX, 2015, at my place of employment. The agent, XXXX XXXX, was again instructed not to contact me at my place of employment. XXXX XXXX then proceeded to call back an additional time on XXXX XXXX, 2015, and requested my employers fax number. XXXX XXXX later proceeded to contact my office yet again by faxing over an employment verification request, which I did not authorize. The request revealed my entire Social Security number and personal information. The harassment needs to cease immediately. 
I 've requested the company to stop all communication with me and with this address and any phone numbers you have listed in regards to this debt. The lack of professionalism and harassment XXXX XXXX displayed on the phone is the reason I am filing this complaint. 
I also requested that the comapnys records reflect that I have disputed having any obligation for this debt. If they forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: yes like my house caught a fire and my insurance pay them off. but there did not send me my refund check when my mobile house got pay-off. and I want to know where is it. because I ever nothing In the mail are anything. and I know there owe me something out my pay off. I pay them too much money a month try to keep my house I love my home that why I pay my money a month. and same time I be pay my money be cheat me same time. its not fair how people you and you try so hard to work with them. its got to stop because with them people work to hard have nice place stay too. there changed too money on mortgage it up and down on your payment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied on line for the XXXX credit reports and the web site failed and gave XXXX page not found errors. I tried again and the freecreditreport.com site responded I already got the free report. there is no help number for assistance. I need the report timely butit is not available as required. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank has been callingfor almost XXXX weeks..at firsti thought it could have been a wrong numnber.When i would pick up then the phone would hangup.I get the calls first thing inthe mornings, during the day and pplthe evenings. I contacted a XXXX number and told the person what was happening and they said i should not get any more calls and i just received another from XXXX the same number. 
I have toneved had anaccount with Citibank and when it call it never asks to speak to someone. The number that is calling me is XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a VA Loan. The original loan included cost for Mortgage - Hazard Insurance. After the first year, the issuer of the mortgage insurance, cancelled the policy. Though the policy was cancelled, the monthly mortgage cost stayed the same. The loan originator insisted that I again get an insurer to cover the loan. Subsequently, I found out that VA Loans per my category, do not require " mortgage insurances ''. The loan originator has sense foreclosed and sold my property, even though, I have continued to pay my monthly mortgage up until they stopped receiving them ; returning my checks to me with a note saying they no longer could accept them. The loan originator has issued an eviction notice to me effective XXXX XXXX 2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I opened a Home Equity Line of Credit in 2005 with Wells Fargo Bank. This is the bank we have our mortgage, checking accounts ( personal & business ) and saving accounts. Upon opening this account, we knew it was a variable interest account, we stated we wanted the payments to be withdrawn from the business account, and signed a form asking Wells Fargo to take out up to $ XXXX/month applying the appropriate amount to the interest & the balance to the principal. Advancing 10 years, we NEVER thought we would use the entire amount, however, we needed the money to keep our small manufacturing business open. XX/XX/XXXX, we started getting letters from Wells Fargo about the Equity Line of Credit " Pay Back ''. Quite frankly, since we felt we had been paying it back ( a little at a time ) we ignored the letters a bit. We were very shocked to find for the passed 10 years we have paying INTEREST ONLY on this XXXX loan. Wells Fargo denies ever seeing the form, and says we agreed to the interest to the interest only terms. We trusted our bank when we made the initial agreement that they would honor the initial terms, and would n't change them. We would never agree to an Interest Only Loan, even though times were tough. To make matters worse, we are in the same situation as every other home owner in California. In 2005 Wells Fargo stated our home was worth {$800000.00} ( however we did not have an appraisal ), and later we were called and asked if we wanted to take more out on our home equity line? Fortunately, we did not! Ten years later, my husband and I are in XXXX. old, and owe {$400000.00} on our home that we have lived in for 25 years!! We feel as if Wells Fargo pulled a fast one on us while we were struggling to keep our small business going, pay for our XXXX daughter and her medical bills, plus help our son with college debt. This is just a nightmare. I do n't know where to turn, and do n't know if it is that we were just too overwrought with stress to not read the contract correctly, or if Wells Fargo is somewhat responsible. We have tried to work with them for the passed 6 months, however it got to the point that not paying the extra $ XXXX/month they were requiring was going to ruin our credit. I just feel they should forgive some of the debt since they have enjoyed 10 years of interest only payments with no money going toward paying down the interest. If they had honored the original agreement we would owe about {$80000.00} less. Is there anything we can do about this situation? 

Company response: Company chooses not to provide a public response
Consumer complaint: Paid off loan in XXXX 2012. After multiple attempts have yet to receive my title or a lien release letter. Was told the original was " lost in the mail ''. Now I am expected to replace a title already paid for once and wait until Ally Financial decides it 's convenient for them to send me my documents. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/2015To whom it concernsI applied for the HAMP application XXXX XXXX, 2015. I sent the application XXXX ways. I sent it by email to a BSI Financial Services and to their XXXX office. It was later determined that the information was not being processed and had been sitting in someone 's inbox. I resent the information on XXXX XXXX. I received a confirmation letter on XXXX XXXX that all of the information was being processed. The loan information was transferred from one representative to another on XXXX XXXX. My wife and I have been calling ever since. 
Here are the days that we called or correspondedXX/XX/2015 - My wife left a XXXX XXXX am - spoke with Supervisor. Verified all documents were received and that load was reassigned from one rep to anotherXX/XX/2015 - Left voicemail for repXX/XX/2015 - Left voicemail for repXX/XX/2015 - I called and left messageXX/XX/2015 - Spoke with supervisor again XXXX : everything filed on XXXX/XXXX/2015 and it take XXXX days. Normal process is XXXX days but they are backed upXX/XX/2015 - left voicemailI am just a little frustrated with the process because what normally should have happened by XXXX XXXX has spilled over into XX/XX/XXXX. I.e a XXXX day process is not has now been XXXX days and still no response whether we have been approved for the HAMP. Please helpThanks 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I had provided a lender, Norcom Mortgage, with our personal information/data to obtain pre-approval on a mortgage. XXXX of their loan officers attempted to e-mail myself and my husband a copy of our credit report, however, she sent it to a wrong e-mail address instead of my husband 's correct address. Our privacy has been violated in accordance with their privacy policy as our personal data and private information in violation of our consumer privacy as our complete Social Security Numbers and Date of Births are both out there somewhere. The loan officers negligence has caused a privacy breach for us and we are now at an increased risk for identity theft. I contacted their CEO on the same date and he has not responded to me. This is a severe violation of our privacy and we are asking them for a resolution to this. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Last year I made a construction loan and began inquirys of several different leanding agencys to secure permanent financing of my home ... my goal was to REDUCE my interest rate and to gain FIXED rate financing on the home. I contacted XXXX ( or XXXX ) different sources and was able to secures a fixed rate below 4 % ... ONE goal ONLY and yet my credit scores began to drop ( a total of appx. XXXX points ) in the process. Is THIS proper? I do n't think it 's the intent of credit reporting agencies to penalize anyone 's rating for do9ing the RIGHT thing ... please investigate and remove these " hard Inquirys ''. 

Company response: Company chooses not to provide a public response
Consumer complaint: When I bought my house, I was persuaded by the low monthly payment XXXX {$1600.00} per month XXXX. I had a 30-yr fixed mortgage at ~3 %. In less than one year, that increased to more than {$2300.00} per month. I was told that the ( escrow? ) costs were underestimated and because the seller had made major improvements before I bought it, the taxes were increased. The realtor XXXX Weichert in New Jersey XXXX had not mentioned this to me at all prior to my purchase, even though I 'm a single woman supporting a family by myself. I complained but they told me it would go down later. It did go down a year later, but to {$2100.00} per month, still much greater than the {$1600.00} per month that I thought would be my monthly mortgage burden. Weichert of course knew I made ~ $ XXXX per year, and that I had substantial cash savings and no debt ( other than the house mortgage ), so they thought it was no big deal if my costs went up because I could afford it. They also unilaterally made a bid on this house that was higher than the bid that we had agreed to on the house, based on the neighborhood comps. Again, they just wanted to close the transaction ( this was almost 3 yrs ago when the housing market was still struggling somewhat because potential buyers were being rejected for mortgage loans XXXX. What Weichert did was completely reprehensible, if not illegal. They breached their fiduciary duty to me out of their own greed. I would not have bought this house had I known that my monthly payments would be this high. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I filed Bankruptcy several years ago but my attorney mistakenly did not reaffirm the mortgage on my home. I paid it perfectly for the last 5 years but they said they can not report it to the credit bureaus because it was not reaffirmed. I was OK with that and let it go but the bankruptcy was discharged 5 years ago and now the loan in question was paid off in XXXX of this year. They are still saying they will not report it even though it is no longer on the books. I have 5 years of great credit history on this loan and I want it reported to the credit bureaus. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid off a XXXX Countrywide Loan through a refinance in 2004. This lien is still showing on my title. I now have XXXX Countrywide liens on title. Bank of America now owns the loan, but XXXX XXXX XXXX is servicing the loan. Neither XXXX or Bank of America will respond to this issue. I would like my title to be free and clear of this lien. 

Company response: Company chooses not to provide a public response
Consumer complaint: My insurance is XXXX. They have a doctor on my credit report which was a referer from the military. 
You can not just go to a doctor they put in the wrong code at the doctors office. I have contact them for this matter. However it is now on my credit report as unpaid. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX, XXXX inquired on my account recently and within a few days of that Inquiry I rec 'd a credit card from an online retailer of consumer products. THIS must be more than a coincidence ... I did NOT request a credit card from any online retailer AND I have destroyed the card and requested the card company to notify all credit reporting agencies. 

Company response: Company chooses not to provide a public response
Consumer complaint: Never lived in virginia 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15, I attempted to place an order through XXXX and my credit card was declined. I contacted Citi and was informed that " Charges have been identified that may be unauthorized. Please contact our Customer Service Department at XXXX XXXX XXXX : XXXX ) immediately to verify these transactions. '' I spoke with customer service and the issue was cleared up. I again attempted to place an order through XXXX and again my credit card was declined. I again contacted Citi and was told that further verification of my identity was needed and they needed to speak to any other member of my family with my same last name to verify I am who I say I am, otherwise, my credit card would remain blocked! Why do I have to get any other member of my family with my same last name to verify I am who I say I am, when I previously gave them my name, address, social security number, transactions and payments I made to the account, etc? How would Citi verify that this other member of my family, is in fact a member of my family : by asking for their personal information???? This sounds like a scam to me! 

Company response: Company chooses not to provide a public response
Consumer complaint: I am putting a complaint today on Wells Fargo Bank because I have had a credit card with them since XX/XX/XXXX in which I was originally approved for {$2000.00} after approval I requested a credit line increase in which I was approved for {$6000.00}. I was then approved for another increase to {$12000.00}. I have had my account in good standing and on XXXX XXXX of this year I used my card for USPS for {$1.00}. After this charge there have been multiple fraudulent charges on the account in XXXX XXXX Nevada. I noticed my card was lost and have tried to call wells fargo and notify them of the activity and they are denying speaking to me over the phone and requesting for me to step in to a branch. I explained to them that i am not near a branch and they are telling me they are not going to help me. I have personal and business accounts with them have had my business account since XX/XX/XXXX and there are plenty of ways for them to verify me and they continue to try to give me a hard time. 

Company response: Company chooses not to provide a public response
Consumer complaint: Phillips & Cohen Associates , Ltd / XXXX XXXX XXXX has consistently reported erroneous Acct. # XXXX for the amount of {$860.00} on my credit profile for a credit card debt I do not owe. They must delete it from my credit profile with deliberate speed. 

Thank you! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Fair Collections and Outsourcing ( FCO ), a debt collector and assigned agent of the original creditor, XXXX XXXX XXXX, has been attempting to collect a claimed debt of {$3500.00} for various charges associated with my rental of an XXXX apartment at the XXXX XXXX facility in XXXX XXXX California. 

FCO has provided as evidence of the debt, a '' resident Journal '' that depicts debit and credit transactions and ending balance. The problem with this XXXX page report is that @ XXXX % of the report is blurred beyond readability, and the ending perpetual balance does not follow from the transactions, but rather is stated seperately on a page not of the transaction report, and in a different typeset. The report as given is useless for purposes of debt validation. 

FCO is reporting the claimed debt to XXXX, who is reporting it as a delinquent item in collections. 

I have sent to FCO a copy of the report I received from them, pointing out the unreadable areas, and requesting a fully readable version. I also requested that they provide the name and contact information of authorizing and approving agent at XXXX XXXX Communities. 

In response, I received a letter from FCO stating they have " verified '' the debt and will continue reporting it to the CRA, FCO did not respond to any of the requests I made for a competent validation of the debt, and identity of the source of the data. 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit card payment, for groceries purchased at the XXXX XXXX commissary on XXXX/XXXX/15 and XXXX/XXXX/15, were denied 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2011 XXXX XXXX XXXX XXXX XXXX NY investigated this debt from XXXX XXXX and it was found to be not valid due to the inability of XXXX to produce any bill that was in my name. Contract Callers Inc. is now calling on a daily basis stating it was my debt. I asked them for supporting documentation from XXXX to verify the debt and they told me I could call them and verify the debt. I told them if they could not provide verifying documentation, they would need to cease and desist from any collection activities according my rights under the FDCPA. They refused to produce the supporting documents and said all they had to provide to me was a statement, written by them, stating that they were collecting a debt for XXXX.They also told me that this debt was on my credit report. This debt is not on my credit report because it was removed once the XXXX XXXX XXXX XXXX NY found that it was an unverifiable debt. The harassment and strong arm tactics of trying to get me a pay a bill I am not, nor never have been responsible for is completely unfair and is infringing on my rights as a debtor. 

Company response: Company chooses not to provide a public response