AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I purchased a duplex from SLS at the foreclosure sale of their XXXX deed of trust in XXXX of XXXX, to protect my interest in it since I held a junior note. I have been paying for the insurance and taxes since I bought it. SLS still held a large XXXX deed of trust that I have been trying to pay off in full since I bought the property. I always reach their call center people and they will never transfer me to someone that is helpful. I and my Attorney sent a few payoff letters with no response and then I was told to send a certified letter to their legal dept with the loan no and property address and explain the situation which I did on XXXX/XXXX/XXXX. ( I have the green card that shows they received it ) Neither my Attorney nor I have ever received a response. On at least XXXX different times I would spend a few hours on the phone with SLS trying to get them paid off. I would get someone at their call center and kept getting transferred put on hold several times and then back to Customer care where I started. I ended up giving up in getting to talk to someone that knew anything or had any authority. In XXXX XXXX SLS turned it over to a Trustee service who I have talked to several times. She has n't started the foreclosure process yet since I told her I want to get this paid off in full ASAP. I sent her copies of my Attorney 's and my prior requests for payoff. I also faxed both SLS and the Trustee person that was assigned to this at the foreclosure service copies of my paying for insurance and taxes and the accounting from the tax dept here that shows SLS was sent a refund of {$3900.00} on XXXX/XXXX/XXXX because I already paid it. I requested a payoff statement with a breakdown of the accounting for taxes, insurance, and other fees they want. The payoff statement does not reflect me getting any tax or insurance credit. The payoff statement I received also has {$2800.00} added for amount due the Trustee Service who has n't actually started the foreclosure process yet. If SLS would have given me the proper credit for having paid the taxes and insurance, responded to mine and my Attorney 's pay off requests this fee would not have occurred. I appreciate any help your Agency can do to resolve this. 
Without me giving my personal information on this how can you do anything and help get it resolved? 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX a subsidiary of NorthStar Technologies XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX XXXX, Ok XXXX ( XXXX ) XXXX XXXX This company sent me a letter stating I owed a debt for {$4900.00} in XXXX 2015 and I immediately sent a certified letter requesting validation of the debt and a copy of their license to collect and received nothing, in XXXX 2015 I received a letter stating they were returning the debt and ceasing all collection activities. I received summons to appear in court on XXXX XXXX 2015 for XXXX XXXX Oklahoma as they have filed a lawsuit, after sending letter stating they ceased all collection activities. 
I do not live in XXXX XXXX, OK, nor have I ever and for them to fraudulantly sue me in this XXXX is additonal Fraud and FDCPA Violations, specifically after I requested Debt Validation and never received it and they sent me a letter that they were ceasing all collection activities. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have disputed a negative trade-line with TransunionXXXX. I contacted XXXX, XXXX and requested this XXXX to validate this account on XXXX/XXXX/2015. The person that answered the call was very uncooperative and stated that this information would stay on my credit report until I paid in full the account. I requested XXXX, XXXX to validate the account and to submit documentation and was given the run around. To this date this XXXX has not validated the account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted XXXX XXXX at Paramount capital on XX/XX/XXXX in an attempted to settle a charged off debt of {$3700.00}. Collector stated that only the amount of {$3000.00} was acceptable at the time. On XX/XX/XXXX i received a letter from XXXX XXXX stating that {$1400.00} was an acceptable amount to consider this debt settled in full. I believe the collector has clearly violated Section 807 ( 10 ) of the FDCPA which, " prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: on XXXX/XXXX/15 my paycheck was deposited in to my checking account i have wit bb & t bank .i made a series of purchases and payments that i had enough to cover from my paycheck which was XXXX .upon continuously checking the account my wife confirmed that the balance was going down as expected as normal .as the weekend approached we had XXXX bills that popped up unsuspectingly so we paid those not realizing we did n't have the funds to cover them fully until we checked the account later however all the prior purchases were covered as the available balance was decreasing as the purchases were being cleared. the last available balance was XXXX and the pending purchases did n't exceed that or equal it. the final to payments we made which ended up in overdraft would normally have placed us in the negative at least XXXX but instead we received an overdraft notice for XXXX for XXXX purchases that was supposed to be covered with XXXX that was left in the available balance.After at least XXXX phone call and tears from my wife 's eyes because we could n't get help as every person we talked to tried to cover the banks crooked practice in bank babble we finally talked to a young woman who acknowledged that because we overdraft on the final XXXX purchases the previous XXXX also went into overdraft which is basically saying the XXXX just disappeared into thin air and does n't matter and they charge us overdraft fees for things that were already paid for out of the available balance and the last XXXX purchases are still pending so that would be an extra XXXX in overdraft fees totaling to XXXX. if we made a mistake we have acknowledged it and were willing to pay the balance on the last XXXX purchases but the prior XXXX purchases were paid for as we had the money to pay for them and the digression of the available balance reflected and even thev last teller acknowledged that had we not made the final XXXX purchases we would still have been in the positive so what we have here is FRAUD basicaly they held all the smaller transactions that were made earlier during the weekend until we made the bigger purchase then they cleared the small purchases to be able to charge us overdraft fees for all XXXX of them .then a week later we received a penalty for a transaction we were told they could n't block although we told the it was fraudulent and the result of a dishonest broker who told us we were purchasing health care when in actuality we were purchasing life insurance .Ive reviewed many complaints about this bank by many people and have even seen a lawsuit over this same fraud. this bank is breaking the law and no one is doing anything about it .they even altered the transaction records to confuse us but we were constantly checking our transactions on the android app so we know we were doing the right thing 

Company response: Company chooses not to provide a public response
Consumer complaint: Third party collection agency garnish my wages without verifying the debt after I sent them a debt verification notice several times. The agency is in violation of my Due Process of Law, Supreme Court Case Law, International Law and in violation of the Fair Debt Collections Practices Act. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am working with Bank of America on a home loan. The closing is scheduled for today ie XXXX XXXX, 2015. But even after repeated requests I was not provided the closing disclosure documents. They just sent it to me and its not what we had discussed initially. They pushed out my closing several times stating they had not received some documents from the closing attorney etc. I dont understand how they can be so lax in their approach. Why cant they track progress and raise a red flag if something is not happening on time..This has caused tremendous discomfort and heartache to my family and me. Pls help.. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying since XXXX of 2015 to have this Bank of America debt taken off my credit report. I first contacted portfolio XXXX in XXXX via a credit company asking to have this debt removed because it was not mine. It is being reported on my credit report from this company twice for the same dept in the same amount. In XXXX I made XXXX attempts with a direct call to the company. I was told the first time a Identity theft packet would be mailed to me. I received that packet, filled it out and returned it. A few weeks later after not hearing from them I called them. They said they did not get it. I was told to download one and fax it to them at XXXX. I did that twice. I call them back a week later, they side that did not receive it. I faxed it again, called the next day and they still had not received it. I called them back again the following day hoping they received it but they still did not. I was told they would put it through their system again and send me out another packed to fill out an send in again. All my personal information is floating out there somewhere per there request. I am positive I will incur something negative on my report for their lack of business practices. 

Company response: Company chooses not to provide a public response
Consumer complaint: This collection appeared on my credit report. I never received a collection letter and they have failed to respond to my requests for Validation of this account since XXXX of 2015. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: The company ( Southwest Credit Systems ) calls constantly about a debt that they calim that I owe. I asked them to stop calling my cell phone and to conduct any further inquiries using the mail. They continue to call and I have spoken to them an addition two times and the last time I specifically told them never to call me again. They continue to call and it is interfering with my job. I 'm not sure if it is important, but i am also registered on the Do Not Call Registry and have been there for approximately 6 months. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Multiple calls daily from lender even you are only a day late ( XXXX calls a day ) robo calls and hangups as well. They do not report to credit correctly as required and agreed in the contract. Predatory lending they target low income and minority. They hold payments past the due date and do not apply to the account so they can collect a late fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: For over a year I have been attempting to get my mortgage lender to work with me on a modification of my loan. I am seriously under water on the loan and have repeatedly asked for help in determining how that might be corrected with a modification. Rather than continuing to throw more good money after bad I stopped making payments. This caused the lender to change course of the conversation and processing to a foreclosure, which is pending. I have received an offer to " modify '' the loan but it requires that I continue to make payments through a trial period of 3 months before they will finalize the process of defining the terms of the loan. There is no indication the loan will be reduced to reflect what the actual value of the property to be which is {$130000.00} less than the loan I am expected/projected to have modified. Aside from this, there are erroneous declarations on the documentation that do not reflect the actual circumstances. There 's is never anyone to actually discuss this with since it 's always a phone bank of minions who all have the same script. I can not get through to a real decision-maker even with the help of my attorney. The problem is not that I ca n't afford to make the payments. The problem is why I should continue to do so when I know I have negative equity. 
I applied for this modifictation by declaring in clear and concise terms that my wife is handicapped and I would have a difficult time finding a comparable home where I could take care of her. She is cognitively impaired due to a brain aneurysm. Not only do they ignore that appeal, I continue to receive documentation for her to sign. They have a copy of her power of attorney as well as medical documentation showing her handicap. It 's like the balance of this situation - the lender simply is moving toward a foreclosure without any consideration of the actual matters that brought us to this point. My question is : How do I get this problem addressed with the lender? We 're at 20 months since the process started and I am no closer to having an answer. For the record, the lender is Select Portfolio Servicing. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a brokerage account with Merrill Lynch. Having sold my stock, I wanted to have the funds wire-transferred to my Checking Account with Bank of America on an urgent basis, to be able to make an unexpected payment on XXXX, which was subject to a penalty of {$170.00} past XXXX. I spent a good bit of time navigating the website, but there was no way to do this electronically/online. I called Merrill Lynch and was placed on hold for 30 minutes. I was unable to continue to hold and hung up. I tried again after 15 minutes, and was placed on hold for 2 hours. By then the office was shut for the day. I tried again on XXXX in the morning, and was informed by the automated system that the hold time was 3 hours! I kept holding, and finally had to hang up because I have a job. I then navigated the site, emailed and tried to chat with a live representative. I finally got through and asked for someone to contact me. A broker called me an hour later, and transferred my money. I immediately made the payment, but was charged {$170.00} in late fee charges. Since this issue happened due to delay in Merrill Lynch service, I consider this as a denial of service. If I had been able to transfer the money on XXXX, I would not have had to pay the charges. I therefore expect Merrill Lynch to reimburse me for this amount due to their problems. 

Company response: Company chooses not to provide a public response
Consumer complaint: The wrk before XXXX I made a math error with my checking account. This should have resulted in XXXX NSF fee but instead my bank Wells Fargo paid the largest to smallest transaction resulting in almost {$500.00} in NSF fees. I reached put to them and spoke to XXXX employees who had no sympathy and rudely stated that is their policy and basically too bad! Then on Tuesday I reported XXXX fraudulent transactions and not only did they pay them they charged me XXXX more NSF fees and they had no recollection so now they have almost {$600.00} of my money. I know other banks in the area do not engage in these practices and XXXX bank actually resolved a class action suit for engaging in these practices! 

I am hopeful that you can assist me in recovering my money. 

Thank You! 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for assistance in saving my home with Bank of America. I hired an attorney to submit my offer to settle a second mortgage as a solution to my foreclosure situation. My request for assistance was faxed to Bank of America on XXXX/XXXX/2015 and I was issued a 5 day letter dated XXXX/XXXX/2015 confirming my complete financial information was received and that I should have an answer within 30 days. In the letter Bank of America says " The evaluation process should not take more than 30 days ''. ( See attached letter ). As of today Bank of America still has not responded to my request with an answer. It has been two months and five days since that request. I just received a foreclosure certificate stating Bank of America can now foreclose. While Bank of America is stalling on my review, the foreclosure process is moving forward and I have lost time I needed to be able to figure out how to save my home. I am sure they are doing this on purpose because my attorney has been calling them to follow up on the request almost weekly since the date it was submitted. I believe Bank of America is evading review of my request for assistance in order to dual track and burn time so as to be able to just foreclose my home without allowing me time to try and save it. Per my attorney this is in complete violation of RESPA Reg X ( 1024.41 ) which states a servicer shall complete a review of a request for assistance within 30 days of that request. We are now over 65 days past my request for assistance and I have nothing from Bank of America except a foreclosure certificate stating they may now foreclose ( Attached ). My attorney has also faxed the foreclosure attorney, XXXX advising them that I am under review for loss mitigation as of XXXX/XXXX/2015. XXXX has responded that they have been instructed to move forward with foreclosure. This is as of XXXX/XXXX/2015, which is after my submission was confirmed on XXXX/XXXX/2015. Even though XXXX has been made aware that I am under an active review for loss mitigation, they still state they will not stop the foreclosure process. I do not understand how both of these companies can simply ignore RESPA law. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have previously submitted a complaint about Shellpoint deliverying confidential information, including demand letter and intent to accelerate letter to my home which is not my mailing/billing address of record. My home is currently occupied by a family member and just today a messenger went to the home and asked to speak with me and advised my family that it was regarding a delinquent payment ( incidently it was for XX/XX/XXXX payment which is in their system to be paid, leaving the account 22 days past due. 

I complained before when they sent a messenger, and shared private and confidential information with someone other than myself. I asked them to cease and desist sending documents and people to this address and they have not even had the professionalism or business courtesy to respond to my complaint. These people are incompetent and have a loan shark mentality for collecting or barely delinquent payments. Unacceptable 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: iam disgusted that everytime i disput what wells fargo say and tell why i disput what they say the system never allows me to progress forward i have a least XXXX compaint casses all diputed and you have not done anything about it? yet you have fined wells fargo bank for falsifying documants mis acounting, fraud and perjury committed in court .why have you nomade compensation claims against then for the consumer that have not been protected iam disgusted in your prceedure 

Company response: Company chooses not to provide a public response
Consumer complaint: Please know that I have filed a lawsuit against Bank Of America, XXXX, XXXX, And XXXX concerning the tradeline on my credit report from Bank Of America. I have already prevailed in XXXX of the cases against XXXX of the agencies. I have enclosed a copy of the complaint and proof of service. I am trying to avoid Small Claims and civil case. I am giving one last opportunity to correct their mistake and remove Bank Of America completely off of my credit report or correct the trade line as never late. 

In a recorded conversation, the representative said that they were not able to prove/send me anything that I was ever late. I have shared this phone call with the credit agency, and to Bank Of America Corporate, yet they continue to report inaccurate information about me and I have sent several rounds of letters to both Bank Of America And The Credit Agencies, all whom now have individual cases that I have brought against them, XXXX of which I have already prevailed with damages under the FCRA. 

At this point the damage has been done and I am holding all parties from the Information Furnisher to the credit agencies all responsible and have yet to receive any correspondence from Bank Of America Or The Credit Agency regarding any responses to my letters that I have sent certified mail, all were received. 

All of my previous letters via certified mail stated my reasons for dispute and were not frivolous in anyway. 

I will prevail as the protections afforded to me under the FCRA entitle me to {$1000.00} per violation. This is my final communication attempt before court in XXXX. 

Company response: Company chooses not to provide a public response