AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Our mortgage was obtained by Green Tree LLC in good standing. On my first bill they immediately asserted that a payment already made to, and processed by, the previous servicer was late. I called them as soon as I received the bill to complain of the error and was told by a representative " not to worry '' and that " it was simply working it 's way through the slow computer system '' and he 'd " look into it. '' I called my pervious servicer and they readily sent me full documentation as prof that the payment in question had been made in full and transferred to Green Tree. However I continued receive late notices for the " missing '' payment and was then sent a notice of default by Green Tree that encouraged me to refinance. I called again and was told that now only a portion of the payment was missing and that " maybe my pervious servicer has simply forgotten to charge me for that portion '' ( again, I have documentation that the payment was made in full, and transferred in completely good standing ). 

I then sent a formal letter explaining that they had sent a notice of default in error and laid out the history of the account and it 's payments. I additionally sent the documentation from the former servicer that the payment in question had been paid and transferred in full. I contacted the first representative I had spoken with weeks ago to and got an address to send the letter to as well as a fax number. I sent that letter and documentation in hard copy to each Green Tree office that had been in contact with me. I sent it over their website with their internal messaging service. I faxed that letter along with the documentation from the former servicer and a statement from my bank showing the full deduction to a fax number given to me by the phone representative. 

For days I have called, left messages, and even had XXXX customer service rep send my account manager an email on my behalf, I have yet to reach or hear back from my account manager to acknowledge my formal complaint. 

I initially contacted Green Tree to orally notify them of their billing error 4 weeks ago, I was advised to do nothing. In that time they did not cease to seek payment ( they escalated to default ) and they clearly did not look into the very simple and well-documented case. With further investigation I found that the actions taken by Green Tree in regards to providing me with information on how to file a complaint, and in misrepresenting the charges to my account seem to be a common problem. Their actions seem to also be in direct violation of the court mandate in the case brought against Green Tree this year ( 2015 ) by the FTC and the CFPB ( Thinking of section XXXX. XXXX ). Green Tree 's handling of my account thus far demonstrates a continued negligence ( at best ). 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: 1. Consumer contacted on XXXX XXXX for a billing which was rendered less than XXXX days ago XXXX XXXX, 2015. 2. Customer paid half the billing without even allowed to review it. Address change and move to new address happened on XXXX XXXX, 2015. 3. Agency was given new address and consumer still has not received billing. Agency refused to identify its license number or forward calls to upper management or give email address for complaint and resolution. Credit Management Associates advised that the invoicing would be stayed for XXXX days and this has not happened as of XXXX, Full name of all management personnel refused access. Violation of and inappropriate contact for a {$68.00} with which {$34.00} was paid pending receipt of invoice. Collection Personnel not allowing access or refusing to take message is XXXX XXXX. Mgr who does not take calls are XXXX XXXX and president who does not answer or take calls is XXXX XXXX. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Selling my house, got XXXX payoff statements from Bank of America and XXXX verbal amounts. All amounts agreed. This loan was modified XXXX. I asked if there was an additional outstanding loan. I was told no by XXXX BOA employees. I was told everything was rolled into the modification. The closing on the sale of this house is XXXX XXXX, and in the title search, BOA stated there was a {$22000.00} balloon payment due HUD. They would not provide title company with how to pay this off, nor contact information, nor documentation. I have never received any documentation on this loan. I was assured XXXX times ( XXXX verbal, XXXX written ) this loan did not exist. It did not show up on my credit report. I have no documentation for this debt. BOA refuses to give validation of this debt. I began this process 4 months ago, and now with just over a week to closing BOA now says there is another loan against this property. They kept the title company representative on the phone for an hour saying my signature was not valid and they would not release information to the title company. 

Company response: Company chooses not to provide a public response
Consumer complaint: Repeated phone calls from fortiva financial before XXXX and after XXXX. Atleast XXXX phone calls per day. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Disputed a case originating from a XXXX credit card with Experian, XXXX. XXXX refused to give me information about the account, because it had been transferred to collections. Collections would only send me verification of the debt if I provided them with a utility bill, which I do not have because I live with family. I have never been sent a notice of this debt and nobody will send me anything in writing proving that it is mine, or even telling what account it 's relating to. I was under the impression that all balances with XXXX were paid in full, and do not know where this balance came from. I was also under the impression federal law required the collection company to verify the debt with me when I requested it in writing, which they have also failed to do. 

I disputed the case with the bureaus stating this. They simply mailed a notice saying " The collection agency has verified the debt. '' 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an account that shows up on my Trans union credit report from XXXX XXXX XXXX for {$67.00}. This account was paid in full last year. I have tried numerous times to tell the collections agency to correct their error and they keep saying that they have. Nothing has been done to recitfy it. I have paid this account in full and with interest. Attached document is a letter from the collections agency showing that my account has been closed. Please have this updated and removed from my credit report. Thanks. XXXX. XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Where do I begin? This is my story long story short. In late XXXX I submitted a bid on a house. I pulled the plug on the loan process in mid XXXX. The process was terrible. My credit was pulled XXXX times. I was told by my loan officer that she was being sabotaged by her co workers and that they were hiding my paperwork from her. My loan officer sent me XXXX pages worth of someone else 's loan and personal information and asked me to sign it and when I told her she chanted " I 'm only human ''. The loan officer missed our close date XXXX times causing Us Our lease on our home and almost the sale of the house. She ignored phone calls to my self or others involved with the transaction. The loan officer demanded me to put my down payment in a U.S. Bank account that day so I did and I went to pull it out later after pulling the plug the teller wrote the check wrong XXXX then crossed out the number and attempted to write over it. I told him it is a legal document and that he ca n't just cross out information so I had to write the cashiers check ... that should be on tape at the bank. The loan officer or someone in the process labeled by appraisal wrong and cost us time and our deadline for them to re do the appraisal. This was the worst experience of my life. My credit has been negatively impacted which is compromising my future financial situation. We wanted to finance a new barn and lawn mower for our home now what do we do? I was so nervous and depressed about this i cried most days and in the middle of work when she would call and ask me where my paperwork was. Talking with manageMent did n't help as it seemed as if they were reading preprinted angry customer rederic? I did n't have faith in US Bank after this. I am in the midst of interviewing a different bank to take over my car loan because I have serious doubts about US Banks abilility to handle money, billing or the responsibilities of customer service or having anything to do with financial anything. 

Company response: Company chooses not to provide a public response
Consumer complaint: This bank took {$180.00} from my account for fees that I should have not been penalized for when the original account was supposed to be closed due to fraud. I agreed that I would pay the penalty of {$67.00}, but the bank only offered to give me {$92.00}. I think that this is unfair because they did not call or even send an email about the money was being removed from my account. Since the bank has done unfair practices to me I would like everything back except {$31.00} for a charge that came through after I was told the account was being closed. 
I would like the remainder of my money back which is {$65.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: Regions Bank charged my account for a XXXX charge that I did not authorized and made my account overdrawn with insufficient funds. This caused a {$36.00} fee Regions charged to me. The XXXX charge was not authorized and Regions charged it to my checking account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a payment of {$100.00} on my credit card. I had a promo balance of {$4600.00} with 0 % interest. I made a purchase for {$25.00} on XXXX. I made XXXX payment that should have covered the balances of the the {$25.00} charge. Payment dates were XXXX for {$25.00} and XXXX for {$100.00}. I minimum payment was {$67.00} that month. I was charged a minimum interest fee of {$.00} on a balance of {$.00}. I think that charge is unfair and they refuse to refund me the {$.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: I notice tonight that my Credit report had a hard injury on it that I know nothing about. The company is XXXX XXXX. I did n't try to get a loan with this compay. Could you please get this checked out for me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a home equity line of credit. I used it to pay off my mortgage to reduce the interest rate. Both the line of credit and the mortgage were with Wells Fargo. Both debts would be paid in-full had Wells Fargo not arbitrarily frozen the line of credit after the financial crash. I have excellent credit and have never been late on a payment. I met all terms of the agreement. Instead of being debt free, I still owe approximately {$23000.00}. There was and is a contract. What law gives Wells Fargo the right to unilaterally change the terms? 

Company response: Company chooses not to provide a public response
Consumer complaint: I am making formal complaint against the all XXXX bureau who continue to report the same items on my credit report that are not accurate and were paid off prior to me closing the accounts. I am receiving collection notices in the mail from collection companies that violating my rights as a citizen and soldier. I writing you today to clear my credit report of these inaccuracies from all three bureaus. I have written all three bureau and they have sent me verification in the that was incorrect to knowledge and the companies that reported to these bureaus. I think I should receive a claim for the mistakes on my credit report. I have sent multiple letters and information attach to each credit report that states that the information was incorrect and should be deleted. I request that all item of inaccuracy be deleted from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I defaulted on a Macy 's account XX/XX/XXXX. The account is now listed with Citi XXXX. I have called them at XXXX a month ago and was told that it is past statue in my state XXXX Mississippi XXXX and they would not accept my voluntary payment. I explained that it was still reporting every month negative on my credit and I was told that is XXXX different laws. ( statue and credit reporting ). I disputed the accounts with the credit bureau, but it remains on my credit. I called again yesterday, XXXX and received the same response from Citi. I spoke with the supervisor today, XX/XX/XXXX and was once again told that I can not pay this debt and that it will not be removed from my credit until the XXXX year mark. How can this report to my credit and not allow me to pay the debt to obtain a home mortgage. The balance is only {$280.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion has erroneously changed the status of my XXXX XXXX XXXX account to " late ''. This account was paid in full and my reports reflected as such. Upon a credit pull today, my report changed to " late '' thereby affecting my score. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a safe deposit box at Bank of America and tried to cancel it XXXX years ago ( when I moved out of the area ), but they would n't let me and continued to pile up fees. I declared bankruptcy more than a year ago and the bank was notified as part of that process, but they ignored it and sent collection letter afterward. I wrote bank to refer and remind them of bankruptcy. Finally, bank sent me letter stating that they acknowledge bankruptcy, but they only would void fees prior to their letter ( XXXX XXXX, 2015 ) and they will not close box account and will continue charging me fees from XXXX XXXX, 2015 forward. Should n't the bankruptcy void all fees and close that safe deposit box account? 

It 's Bank of America and their box account # XXXX. My bankruptcy is a Chapter XXXX and case # XXXX ( NJW ). 

Please help!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: A Citi bank debit card was issued in the amount of {$66.00}, from XXXX due to a battery leak in XXXX of our electronic devices. The card had an expiration date of XXXX and was not used. 

We called to have the card reissued, but were told by Citi Bank they would not reissue the card, because it fell outside of 180 days of their reissue policies. 

We then explained that per the XX/XX/XXXX Credit Card Act that all prepaid Visa and MasterCard 's have a 5 year protection via the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX that was passed into federal law. 

XXXXWe asked for an escalation, but were told the exact same thing by another representative, which brought us here to your site and services. 

If Citi Bank is exempt from this particular piece of legislation then we would like in writing why they are. Please have them state, in writing, per the XX/XX/XXXX CCA, the exact clauses that allow them to not comply with the 5 year federal expiration timeline. 

Company response: Company chooses not to provide a public response
Consumer complaint: This complaint is in reference to release of insurance money owed to us by Green Tree Mortgage for flood damage that was approved by our insurance company. We suffered flood damage to our home on XXXX in XXXX. We submitted all claims/ required paperwork to our insurance company XXXX XXXX XXXX and they were amazing and expedited everything we needed to do repairs. They issued a check to us on XXXX which had to be co signed by our mortgage company, Green Tree Mortgage XXXX we did not pick this mortgage company directly as they are result of XXXX selling our mortgage to them XXXX. Green Tree cashed the check on XXXX/XXXX/15. I have submitted all the required paperwork and every time I speak to them, they give me the run around and seem to conveniently misplace the paperwork that I have been sending and keep having to resubmit. Every time I inquire on where my funds are, they come up with another reason why they can not release our money to do our repairs. We complied with everything our insurance company needed including documenting and approving all contractors. Now Green Tree is saying that they can not approve our contractors? What right do they have to do this when we complied with all of the proposal requirement and contractor requirement from our insurance. Each time, with over XXXX calls place to Green Tree Claims Department, I sit for over 35 minutes just on hold with Green tree to try and get a live person and continue to get the run around and meanwhile I am living with rotten flooring and sheet rock. As of XXXX, no progress has been made. Per your site, there are having numerous complaints against Green Tree. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Disputed original claim for acct. XXXX with a certified letter within 30days of receiving Capital Accounts LLC demand letter XXXX/XXXX/2015 for {$210.00}. I asked for validation and never got it. I have my letter and documents of proof certified, signed for that I sent XXXX/XXXX/2015 and a Capital Account 's representative signed for XXXX/XXXX/2015. I do not owe this debt. Even if they " proved I did '', I should have still be given a response and not been sent to all the credit bureaus within 5 days. I want the account deleted off my credit until they legally respond to my validation letter. Give me a chance to respond without sending it to the credit bureaus, the whole point is to take my money is n't it. They are in violation FDCPA by not responding to my valid letter sent within the 30days of their claim. I would like to resolve but they need to follow FDCPA guild lines and regulations. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The company has never sent me a notice of the debt, and has simply reported the debt to the XXXX credit reporting companies.. When sent a request for verification of the debt, the company said they they could not provide me with the information until I provided them with a utility bill or insurance card with my physical address on it. I do not have either of these because I do not pay such bills. They refused to accept a copy of my state-issued drivers license, and will not provide any information about the debt besides for the balance, which I do not believe I owe. 

Company response: Company chooses not to provide a public response
Consumer complaint: TransUnoin has placed XXXX XXXX XXXX in XXXX GA on my credit report and I have never had a loan with theses people and I want it taken off my credit report soon as possible. XXXX XXXX XXXX phone number is XXXX. My name is XXXX XXXX the last SS # XXXX my cell number is XXXX if you have any questions for me concerning this matter. I have this removed. Thank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I had charges processing on XXXX/XXXX/15 which would have put me in overdraft. At XXXX on XXXX/XXXX/15 my SS check was deposited ( processing ), none of the charges had been posted, they were still processing. Today XXXX the charges showed up as cleared on XXXX/XXXX/15 which also charged a XXXX overdraft fee. That transaction showed up as still processing at XXXX on XXXX/XXXX/15. Also at XXXX it showed my SS deposit as XXXX then all the charges. I believe that Bank of America is manipulating deposits again to get overdraft fees. I can not print my on line acct to prove that. I have received in the past refunds from BOA manipulating overdraft fees. I 'm tired of this!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15 my husband received XXXX services through XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX billed us for the remaining balance after insurance paid their part. We had had prior experience with XXXX XXXX XXXX billing us for amounts that should have been settled through insurance. On XXXX/XXXX/15 I spoke to a person at XXXX XXXX XXXX who said the bill should be sent for adjustment and we should not pay while this was being done. We did not hear from them again. On XXXX/XXXX/15 we received a letter from Professional Credit Services saying the bill had gone to collection. We became concerned about our credit rating and paid the bill to PCS that day. When I called XXXX XXXX XXXX on XX/XX/XXXX they told me they had not sent the bill to PCS or any other debt collector but would look into it. I did not hear back from them. On XX/XX/XXXX we received a bill from a second collection agency, XXXX XXXX, for the same amount. XXXX XXXX XXXX now tell me they did send the bill to XXXX XXXX. It appears that they never did send the original bill for adjustment, nor did they attempt to re-bill us before sending it to collection. PCS tells me they did not buy the debt but had it sent to them by XXXX XXXX XXXX. They also say they paid the full amount to XXXX XXXX XXXX as soon as we paid the bill, on XXXX. XXXX XXXX XXXX claim they do n't have the money. Meanwhile, XXXX XXXX XXXX think they have a right to collect this money. We are very concerned about what having this debt looking like it is outstanding will do to our credit rating. We are also wondering where the money we paid to PCS has gone. I have spent a lot of time on the phone trying to address this, and would very much appreciate your assistance! 

Company response: Company chooses not to provide a public response
Consumer complaint: they called my husband and said I owed them for a cell phone bill. We paid it six years ago ( 6 ), a XXXX internet card. We also sent them a dispute letter via XXXX signed receipt. Thy reported it to the credit bureaus XXXX 2015. I called them and told them I disputed this and no communication has been received by me. I have requested a deletion of this account # XXXX, Enhanced recovery corporation XXXX FL XXXX ( XXXX ) XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Thy put this on my credit XX/XX/XXXX after I sent then proof of this being paid. It was paid XX/XX/XXXX, cancel order XXXX, XXXX was told to discontinue service. At location XXXX XXXX XXXX XXXX XXXX Az XXXX, XXXX said thy ca n't delete the account per federal law. I request the account to be deleted and Pinnacle refused. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Thy continue to say that the account thats reporting this is verifying there records are correct. 

Company response: Company chooses not to provide a public response
Consumer complaint: The bank did not validate this debt based on the FCRA. I do not owe the alleged debt. 

Company response: Company chooses not to provide a public response