AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Procollect said I owed {$200.00} for a debt for medical treatment by XXXX XXXX XXXX for me, XXXX XXXX, date of service, XXXX/XXXX/08. My XXXX XXXX plan EOB shows that they were paid the PPO allowed charge of {$200.00} and I owed {$0.00}. I have talked to them a number of times, mailed letters from my health plan, and a copy of the EOB. They will not work with me to resolve the matter, refuse to let me talk, insist I owe the debt, reported me to the credit bureaus and continue to harass me by phone 

Company response: Company chooses not to provide a public response
Consumer complaint: Name is incorrect. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2010 entered into a Loan Modification Agreeemnt with Bank America who charged me {$17000.00} in fees and costs. This amount is grossly overcharged. I received a schedule of fees and costs for a for {$1900.00} from BofA. The Bank has overcharged me for the sum of {$15000.00}. Bof A has not responded to my numerous complaint and a Respa complaint. This matter is quite straight forward and relies on the Banks own documents. I have attached the documents and my most recent letter. I want the correct sum of {$15000.00} paid back to me via check. 

Company response: Company chooses not to provide a public response
Consumer complaint: My issue started this morning when I received a call from Wells Fargo. They called to inform me that my {$15.00}, XXXX loan would not be honored even though I met with a Banker on Friday XXXX XXXX to confirm and sign for the loan based on the terms and reasons that I had been asking for the loan. 
I was informed that the money would be in my Account Tuesday morning. After leaving the Bank I went ahead and wrote a check to a furniture store for the items that we needed since we recently moved to XXXX. What I do n't understand is ; why all of a sudden the terms have changed and the agreement that was discussed last week can no longer be honored. We have no furniture at the moment and we were looking forward to the money that the bank had agreed to lend us. It recently came to my attention that the Bank did not intend to give us the {$15.00}, XXXX loan to facilitate with the furniture purchase and in turn pay off credit cards with the remaining balance of the loaned amount. The Wells Fargo underwriters are not changing their stance even though this was fully articulated the moment I set foot into their bank. 
We are now faced with a Major dilemma because the furniture store is expecting payment and we now had to inform them that we can not pay it due to the fact that the bank will not honor their side of the loan. Furthermore, we are faced with return costs to the furniture store and shipping costs that are close to {$300.00} due the Wells Fargo 's negligence and inability to honor a loan they provided. I am deeply upset and frustrated that this would be a painful experience. We want the bank to honor the agreement and provide us with the funds that will aid in getting furniture and clear off debt. It is now clear that their intent was not to aid in providing a loan for us to get furniture and pay off some outstanding debt. They want to loan us money and they also want to dictate how we use those funds. 
This is why we are writing to you today. Hopefully you can be off assistance because we need some help to get this resolved quickly. 

Company response: Company chooses not to provide a public response
Consumer complaint: This has been reported to credit bureaus, my interest rate on several other cards has been impacted!! Been disputing late fees for over 6 months now, received cryptic/acknowledgement email from Macys but nothing has been done to my account. 

I submitted via email additional information from my bank and sent follow up today since i received another statement with additional late fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a home equity loan from XXXX XXXX XXXX that got forgiven due to the department of Justice lawsuit. All XXXX credit bureaus are reporting every month that I have not paid and I 'm past due. I have provided them with the letter from XXXX XXXX XXXX stating that there is not a balance on this account and that it is not past due, but they are not correcting my report, and every month they are reporting me more and more late ( over 30, 60, 90, etc ). I got denied a business loan because of this and it has damaged my credit. I want this account deleted immediately and I do n't know who to contact. 

Company response: Company chooses not to provide a public response
Consumer complaint: My bankruptcy was discharged a few years ago and I included my home in Washington XXXX in the bankruptcy. Bank of America continues to send me statements and letters. I sent a Cease & Desist letter last month asking them to not contact me anymore by mail or at all as it brings up bad memories and the stress of having to let my home go. They continue to send me statements. I am beyond stressed and frustrated with them. I have anxiety and have to be on medication for it. By law I thought they have to stop sending me these items if I request in writing for this to be done. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a number of tax liens that I have seen paid and satisfied with the State of Ohio. Once I received the notices of satisfaction and after I filed the paperwork and paid the necessary fees with the courthouses, XXXX and XXXX County, I then sent copies to all of the credit reporting agencies. Several of the liens have been deleted. Others still remain. Transunion still reports XXXX. XXXX still reports XXXX. XXXX still reports XXXX and XXXX all of which have been paid and released and I have sent supporting paperwork multiple times. Each time I dispute, they will reinvestigate and confirm but will not delete. However, several other liens were deleted upon request. It is difficult for me to understand the randomn action. I am rebuilding my credit and the liens will hold me back in terms of my score and will make it continuously difficult for me and my new family to prosper. I am asking this board to investigate if needed/and or direct the credit agencies mentioned here to deleted the aformentioned liens on my reports. Thank you and I appreciate any help you can provide. 

Company response: Company chooses not to provide a public response
Consumer complaint: I lost my full time employment the end of last year. I had been looking work and to start my own business since that time. Earlier this year my wife 's employment also changed, during the same time my father came to stay with us for a few months due to failing health. We had to look to assistance from the government. I submitted a hardship to BB & T for help with the payments we were behind. I had to submit this hardship XXXX. Both times BB & T has declined the hardship, stated unable to verify my employment or income. I submitted all paperwork I was asked for. I am still employed at the same place part time, I have been employed there for almost 5 years. We do not receive paper checks or stubs, the office staff printed out a stub for me to send BB & T. BB & T stated to my wife they would not accept this stub. I have no other way to show my income. BB & T has my tax records, bank statements and copies of wages, all that prove we are in hardship. During the time of the hardship process we had tried to send in some kind of payment. My wife spoke with BB & T, they advised her if we could send in the remainder of XXXX and another full payment by XXXX XXXX that it would be accepted. The payments were returned now causing us to be a total of 5 months behind. My wife called about a repayment plan, the first lady stated to return the payments that were sent back to us and try to add to it, the repayment plan would be a little over our original payment. When my wife called back to try to set up the repayment the next lady stated the payments would be almost double, in which my wife told the lady there was no way we could pay that. We are at a lost and trying to set up a repayment and keep our home, BB & T is trying to take our home. We just wanted a fair chance, but BB & T would not even process our hardship request. 

Company response: Company chooses not to provide a public response
Consumer complaint: Harrassment by a company called Hunter Warfield who is seeking to collect a PAID obligation in the amount of {$1200.00}. The amount is representative of charges remaining upon termination of a lease with XXXX XXXX, an apartment complex in XXXX XXXX, Tx that is owned by XXXX XXXX XXXX. I made payments to XXXX XXXX 's management plus additional payments to this Hunter Warfield who is the debt collection agency that was engaged by parent XXXX XXXX XXXX. I fully paid the obligation over a span of several months a total of {$900.00} in payments. The remaining {$300.00} was paid via application of the pet deposit that was paid to XXXX XXXX. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: My father had a car lease through Ally bank. 
He expired on XXXX/XXXX/15 - approximately 20 months prior to the end of his lease. 
He paid his XXXX lease payment. 
I am his son and co-executor of his will. 
I contacted Ally bank in the days after his death and was instructed to FAX his death certificate and proof of executorship, which I did. 
After confirming receipt of these documents Ally stated that further payments would not be automatically withdrawn from my father 's accounts. 
I returned the car to the dealership, returned the plates to the DMV, and contacted the auto insurance company. 
I have since received notice that I owe {$8800.00} to Ally. They have explained this as the difference between their estimated value of the car and what they received for it at auction. 
I do not have a copy of the lease contact. 
I was not informed by Ally when I initially contacted them that I would be responsible for this sum. I was not informed that I may want to keep the vehicle, pay the lease payments ( which would have totaled about {$10000.00} over the remaining 20 months of the lease ). 
If I was aware of this I would have kept the car, made the lease payments and driven it through the lease period. 
Now the bank gets just about the entire term of the lease paid to them but was able to repossess and then sell the vehicle at a much higher residual value than it would have had had it been returned to them at the end of the original lease period. I could have spent just a little more money over the next 20 months and had the car. Instead the bank has the car and I have to spend almost the same amount of money. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX combined unpaid medical bills of my spouse ( separated, but not legally ), with my information, changed attorneys without proper notification, the new attorney received a judgement against me, garnished my check, and placed it on my credit report. Initially we countersued based on misinformation however we did not hear anything until the attorney change in which swift action and judgement had already occured. When we submitted a motion to the judge it was denied even though the information was not correct. Now I have a judgement and have paid the debt for bills that were not mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a refinance with Sebonic Financial/Cardinal Financial on XXXX/XXXX/15. It took 3 weeks to receive an appraisal, rescheduling 2 times prior to signing closing. But my biggest concern is that I never received a closing disclosure document prior to the notary coming to my house. I did not have time to review my responsible charges. I feel there were incorrect charges on the document. I did not sign and the notary did not leave a copy of the document at my house either. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have a subscription with Experian, and there is information on my report which seems inappropriate and counterintuitive. Background : Until last week, I had an open, non-mortgage loan with the Federal Government, and this loan was listed on my credit report as an item that was hurting my credit score. I have since paid off [ early ] the entire loan, and this has finally been recognized on my credit report, as my score went up slightly. However, I still have the same number of negative items ( 3 ) on my credit report. XXXX items have n't changed for a long time, but now there is a new " negative '' item that is hurting my score - " NOT having an open, non-mortgage loan! '' So, now my score is apparently negatively impacted by NOT having an open, non-mortgage loan. Until last week, HAVING such an open loan was the negative item. I contacted Experian about this, asking how having such a loan could be negative while now I have a negative item by not having such a loan. Experian replied by saying that it 's not a credit bureau but, rather, an online provider of reports, scores, and credit monitoring. I replied to them with a screenshot of their home page, which contains a link to purchase a " XXXX-Credit Bureau report '' ( since Experian is apparently not a Credit Bureau, I imagine that the report on Experian 's home page pertains to XXXX other agencies. In this era, so many decisions - some moderately important, some critically important - hinge on one 's credit report/score, and I feel that, as a consumer, I should be entitled to know the extent to which items on my credit report are either increasing or decreasing that very crucial metric, known as the credit score. Instead, I receive a suggestion to contact a credit counseling agency. I have no idea how an arbitrary credit counseling service would be able to explain Experian 's methodology to me, let alone why having an open, non-mortgage loan would have a negative impact while, now, NOT having an open, non-mortgage loan would have a negative impact. Why ca n't consumers know how the credit score is calculated when this score can literally shape a person 's life. 

Regards, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have 2 Hard Inquiries on Trans Union that I did n't Authorized or Asked for. One is from XXXX XXXX 2015 XXXX PR XXXX ( XXXX ) XXXXAnd the second one is from XXXX XXXX, 2015 from XXXX, PR XXXX ( XXXX ) XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America has been trying to collect on a credit card debt that is over 10 years old. It was a debt that I could not pay at the time due to financial hardship. They have sold this debt to various agencies in an attempt to collect this debt. If I am correct this is against FDCPA rules and regulations. My current issue is that B of A has sold this debt to XXXX XXXX XXXX and XXXX XXXX XXXX at the same time, thereby causing harm to my credit ratings at a time when I have been paying my student loans. After I explained this to XXXX companies I received a letter from XXXX on XXXX/XXXX/15 and MCM on XXXX/XXXX/15 informing me that they will not pursue this issue any longer. My concern is that B of A will continue down this pass until someone puts a stop to this practice. 

Company response: Company chooses not to provide a public response
Consumer complaint: Company is alleging that my XXXX bill was sent to them for collection and that I owe them {$130.00}. I do not owe XXXX anything as I moved out of the apartment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a personal load with XXXX with a equity load and XXXX they sold myloan Green tree and XX/XX/XXXX my house went in foreclosure and the sheriff sale. I was evict from the house XX/XX/XXXX and have not lived in the house since then XXXX sold the loan to Green Tree. I was still trying to pay the loan and was told that once the house went in foreclosure I was no longer responsible for the loan I told this to Green Tree that I was no longer going to pay for the loan on a house that I no longer own, the house was sold XX/XX/XXXX They call me everyday of the in the morning in the evening all time of the all threatening me to pay they or move from the house I no longer own the house in question is XXXX XXXX in XXXX Michigan XXXX. They would call on different number and are still call me today. now they have this companyDitech sending me bill and increase the amount of the loanI would like them to stop sending me bill and would like the money I paid to them return to me. I can mail the letters to you if need in you need the account number it is XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was approved on XXXX/XXXX/15 for a permanent modification home loan, when calling Bank of America talking to service manager XXXX on XXXX/XXXX/15 I was told it would take about 30 days to be approved. I went online a couple of days later to check my status and I seen my approval papers that posted on XXXX/XXXX/15 giving me until XXXX/XXXX/15 to sign and return. On XXXX/XXXX/15 I spoke with my service manager XXXX and I told about permanent modification papers she said the papers were sent out to me, I ask for the tracking number because I never received them XXXX she said she could n't see XXXX. I told her I made a copy of the papers I need to have them back by XXXX/XXXX/15 plus a permanent payment is due XXXX/XXXX/15, she said maybe I should wait to make that payment until I actually get my permanent papers. I told her no I was told not to miss a payment then XXXX ( my service manager ) said make the payment I was making doing the trial XXXX, and she will refer my papers to the help desk to see why they did n't mail them and to mail me out a new permanent modification paper with a new return date. I ask how long will that take she could n't tell me and she will do a follow call back on XXXX/XXXX/15. I did receive that call from service manager XXXX still no info on my permanent papers she place me on hold for 5 minutes and came back saying she will refer it to her supervisor. When I went to check my status on XXXX/XXXX/15 I notice they had given me a different service manager XXXX. I called XXXX/XXXX/15 and spoke XXXX to set up a payment for XXXX/XXXX/15 he could n't for that date because it was XXXX and made it for XXXX/XXXX/15. As he was taking information for payment he ask for a check # I told him I will get him one he said oh just give me a random #, I said know the my bank wo n't process any check #. XXXX gave me a confirmation # XXXX, I told him this confirmation number did n't have a day just the year and month which is not like previous confirmation I have he said they are all different. I told him I know but they all have the complete you 're paying your bill, he said it will be alright. About a hour later I tried to check my status and was blocked from that site, I called and spoke to XXXX different service telling them I blocked and the last XXXX transfer me to the support group that only handles home equity system only to transfer me back to the home modification department because they handle their on system. I got representative who place me on hold and cleared the trouble. I did tell them I feel as though something is n't right, the representative everything going fine but I feel as though I getting the run around 

Company response: Company chooses not to provide a public response
Consumer complaint: I am unsure as to who this company is. This company contacted my mother and never contacted me. They contacted her on her cell phone and I have reviewed all of my records and have never received any correspondence from this company. Where is the VOD or validation of debt, if any. I do not know who they are collecting for and at this point the representative XXXX XXXX and her company Hunter Warfield are in clear violation. I am requesting this company cease and desist. They should only be using location information if they are unable to reach me, which they have not tried. I am unsure of what the antics are, I have read a lot on this company but this is my final attempt to get them to cease communication and to close any files they have as I am getting my lawyer involved. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: ShellPoint Mortgage Servicing Company is not replying or reissuing a second lien release that they said would be edited for aproperty sell to happen. They were advised regarding and said they would forward to investors to have edits done, so, we could move to close. This was inXXXX. 2015. We had to cancel closing the day before ( twice this has happened because of them ) It took over two months to get this lien release in the firstplace. The seller attorneys office has contacted Shellpoint on numerous occasions to get status updates or timeline for new letter. They have failed toprovide any information. This is bad business practice on # Shellpoints part. # Shellpoint is not practicing good consumer business or relations. They are notworking to try and ensure they get any money or that both groups receive some level of compensation versus zero if foreclosure happens. # Shellpoint ispurposely prolonging this process and has negatively impacted this situation that could help both XXXX lien holder and allow XXXX lien holder ( Shellpoint ) torecover something, the seller to get relief, and me the buyer ' to have an affordable home. No one is holding # Shellpoint to a higher level of consumerrelations ( to be respectful, to be professional, and be honest and upfront ). 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: US Bank has engaged in an illegal criminal falsification with accounting fraud, bank fraud, wire fraud, mail fraud, and stalking involving a female employee I have never met and persists in diverting US mail, returning refused mail, falsifying claims to third persons that I " use a false address '' to the US Post office, and responds to any request that they at least get the XXXX out of my US mail with more flat refusal to comply and have " cut off all public services '' nationally in retaliation for the excessive consumer dispute required to force them to drop it as a entity that keeps claiming falsely that they have some lawful dispute that they have been " harassed '' by CFPB into dropping. 

Which is also why they divert the US mail and require that I sue them to force them to stop diverting US mail and are at this time dragging me through the Postal Inspectors and Inspector General as they contacted somebody at the Post Office to get them to keep illegally redelivering refused mail, to the point of forcing my business to change mailing address too as stalking and criminal pursuits aided and abetted by US Bank as an entity continue to be the crux of the problem and the point. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had been approved by Welles Fargo bank mortgage company through the Builder last year to be placed on the list to purchase a home. I did sign contract with the builder on XXXX, 2015. Welles Fargo did recheck my credit report. I did lock my rate ( XXXX for 30 years based on my credit score of XXXX ) with Welles Fargo on XX/XX/XXXX for a move in date on XX/XX/XXXX. I did also provide my Credit card For appraisal which was done. Suddenly Welles Fargo did change their mind and do n't wants to fund the loan based on what they claim a negative point on my credit dated back to XXXX by doing so I lost my good rate since interest rate has been on the rise and I am on the risk to not purchase the home.I contacted other lender who are welling to loan the home but the rate has raised since Welles Fargo changed their decision on the last minutes 

Company response: Company chooses not to provide a public response