AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In XX/XX/XXXX my boyfriend and I purchased my current house. Because of my previous credit history, we were required to do an FHA mortgage product. My boyfriend is a non-occupying borrower. My sister lives at the house with me and pays part of the mortgage payment. 
Early XX/XX/XXXX, my sister and I began conversations with XXXX XXXX at the TCF XXXX office. We wanted to get out of the FHA Mortgage and remove my boyfriend from the note ( keep him on title ) and have my sister on Note and title. On XXXX XXXX, XXXX requested bank statements, last 2 year tax returns, last 2 years W2 's and last XXXX paystubs from my sister and I. We emailed the required documents XXXX XXXX. 
XX/XX/XXXX - First phone call with XXXX XXXX at the TCF XXXX, MN office. XXXX informed me he would be taking over the refinance process we started with XXXX at the XXXX office. During this phone call he informed me it would be best to eliminate my sister from the process. I gave XXXX a credit card number for the appraisal. 
Shortly after the XXXX XXXX phone call, in the mail I received a Notice to Loan Applicant from TCF disclosing my credit score from the report that was pulled on XXXX XXXX. Per the Notice my scores were Equifax XXXX, Experian XXXX and XXXX XXXX XXXX. 
My complaint : After two months of back and forth communication with XXXX XXXX at TCF XXXX, MN office I was declined a refinance mortgage loan for reason of " Bankruptcy ''. It was unnecessary for me to pay the {$400.00} for an appraisal when my credit report, pulled on XX/XX/XXXX, would have clearly shown the previous bankruptcy ( and foreclosure ). If TCF operates under strict guidelines then I should have been denied a mortgage loan immediately. Why did they pull another credit report on XX/XX/XXXX? Why was I asked for additional documents after the date of the denial letter? I was never asked to provide any documentation of the bankruptcy ( discharged XX/XX/XXXX ). The customer service I received from XXXX XXXX was horrendous. I was ignored on many occasions and some of XXXX 's comments were rude and unprofessional. I went into this in good faith and was lead on for over 2 months sending numerous, unnecessary personal documents. I feel this was unethical practices by TCF and their employee, XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The alleged debt is non-existent as all debts with XXXX XXXX XXXX have been fully satisfied by me in the past. The collection of any other debt is unwarranted and unfounded. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: The issue is with Greentree now Ditech. I received one of the first loan modifications from Greentree. The original modification agreement did not include a provision for " Deferral of Principal ''. Several months later, maybe even a year, I received additional documents that Greentree wanted me to sign to accept the " Deferral of Principal ''. I declined and did not sign the documents. I then received many phone calls telling me is was in my best interest to sign and return the documents. The phone calls began to get aggressive but I stood my ground and told them that is was their error, it 's not included and I wo n't agree to have it included now. That seemed to be the end of it until I went to get my payoff and the " Deferral of Principal '' was listed and included in the payoff balance. I have sent correspondence to Ditech who now services my account but with no results. I 'm hoping that this complaint made through your office will help me get a correct new payoff 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/2015/XX/XX/2015, I received my Macys statement with a balance. I immediatelycontacted Macys to informed them that my card was fraudulently usedonline. The agent told no problem, she will put an investigation on card. 
I told her that I have never purchased from Macys online and I have thecard in my possession, none of my other credit card was compromised. 
I told the last time I used my card was approx. 1 year ago in XXXX. Theagent told me that not to worry about it. On XXXX XXXX, 2015, I receiveda letter ( see attached ) that my claim is not a fraud. I called Macys andagent told me that the investigation was completed. I informed her aboutthe letter, she told me to wait a few days. I asked her when and wherewas the online purchased ... she claimed co access to that information. Itold I live in XXXX and only use my XXXX card when I am in XXXX. Ihave contacted Macys call centre three ( 3 ) without any substanceanswer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I HAD MY A/C WITH XXXX XXXX BANK SINCE XXXX XXXX AND LATER MERGED TO " BANK OF AMERICA '' IN XXXX ALONG WITH MY SAFE DEPOSIT BOX. 
SAFE DEPOSIT BOX FEE WAS DETECTING AUTOMATICALLY FROM MY CHECKING A/C ANNUALLY. AFTER XXXX BOA STOP TAKING OUT FEE FROM MY A/C, I AM BUSSY IN MY LIFE AND NEVER PAID ATTENTION, BOA STAFF NEVER STOP TO GOING TO MY SAFE DEPOSIT BOX IN ALL YEARS AND IN AVERAGE ME AND MY WIFE WAS GOING TO CHECK OUR BOX THREE TO FIVE TIMES A YEAR. IN XXXX XXXX RIGHT FEW DAYS BEFORE WHEN I WAS GOING ON MY TRIP TO XXXX RECIEVED NOTICE FROM BOA THAT YOU OWE US $ XXXX. IN PANIC I WENT TO MY BOA BRANCH WHERE I HAVE BOX " XXXX XXXX XXXX '' THAT STAFF GIVING RUN AROUND, I CAME BACK TO MY HOME AND CALLED BOA HEADQUARTER AND REQUEST TO HANDLE THIS SITUATION, BUT NO HELP THEN I WENT BACK NEXT DAY TO BRANCH DUE TO I NEED TO TRAVEL IN FEW DAYS. 
BUT XXXX XXXX SAID TO ME THAT IF YOU DO NOT PAY THESE ALL YEARS RENTAL FEE PLUS ALL LATE CHARGES THEN WE WILL USE DRILL MACHINE AND CANCEL YOUR BOX, THEY NEVER SENT ME ANY TYPE OF NOTICE IN THOSE YEARS AND WAS NOT MY FAULT. 
I NEED TO TRAVEL IN FEW DAYS XXXX SO I PAID $ XXXX RIGHT A WAY, TOOK MY ALL STUFF FROM MY BOX AND EMPTIED AND CANCEL MY BOX, AND STOPED BY XXXX XXXX BANK AND OPEN NEW BOX. 
AFTER I RETURNED FROM MY TRIP AND TRY TO GET MY ALL CHARGES $ XXXX REIMBURSE AGAIN RUN AROUNDBESIDE XXXX XXXX HIS OTHER ASSOCIATE TALKED TO ME THEN VERY RUDE LADY WAS BAD APPROCED TO MESHAME, SHAME, SHAME AND SHAMETHEN I CALLED FEW TIMES TO BOA HEADQUARTER AND THEY JUST TRANSFRED TO SAME BRANCH MY COMPLAINT. 
AFTER ALL DONE AT THE LAST BRANCH MANAGER " XXXX XXXX '' CALLED ME AND REFUSED TO REIMBURSE MY ALL ILLEGAL CHARGES WHAT THEY COLLECTED ON XXXX XXXX XXXX. 
THANKS A LOT TO READ THIS COMPLAINT AND I SHALL BE GRATEFUL 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX a balance of {$1700.00}. This is not for me, it is for a XXXX my deceased husband owned. A lady came to my home about XXXX years ago and questioned me and I explained the same to her. From what I understood this amount is for parts purchased for the business. 

Company response: Company chooses not to provide a public response
Consumer complaint: this bill was to go through my health insurance. I contacted the company MANY times with NO response. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: XXXX XXXX has issued a late/missing payment remark on my credit report. The account in question is not mine ; it is my late step father 's. They claim since I was authorized user ( which is news to me-I have my own XXXX XXXX account ), they have the right to put this on my credit report. I think this is extremely unfair! I never signed my name to this account ; plus even XXXX XXXX states an authorized user ( if I was one ) is not liable to pay the account. So why is it alright for them to report my Dad 's account with a derogatory remark on my credit report? I think it is terrible to use my Dad 's passing as an excuse to do this. I would like their remarks removed from my credit reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: A representative has only called me twice in the last 2 days, then called my former place of employment for a debt from 3 years ago that has long been since taken care of. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I applied for a vehicle loan, The dealership said I was currently past due and had XXXX open autos. I do not I have XXXX. I went to the credit union she showed me that they were reprting correctly. I went to annual credit report.com all XXXX bureaus were reporting correctly. 
The only place reporting incorrectly is credco corelogic. Thier defense is they get thier information from credit bureaus, My point is The vehicle they are reporting is A paid out vehicle, It has been reporting correctly through thier system for years I have proof they reported it correctly before. I do Not have but XXXX open auto its through XXXX XXXX. They seem very unwilling to correct the problem and are putting it off on bureaus and Credit union. But I have proof that bureaus and credit union have it correct. 
Please help in any way you can This has directly affected my score and I have numerous inquries. I also have been turned down for an auto loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid this Creditor in XXXX and it still is showing on my Credit Report. XXXX amount of XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I bought the house at XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX for {$290.00}. 

By summer XXXX there were XXXX mortgages on the property, XXXX held by XXXX, a 30 year loan with balance of approximately {$100000.00} and the other by XXXX XXXX XXXX, a HEQ line with an amount of {$120000.00}. In XXXX XXXX, when I rented out the property and moved to XXXX XXXX. The house was rented until XXXX XXXX, XXXX. The XXXX mortgage was assumed by Bof A for many years, and in XXXX they sold it to Green tree Servicing. The Home Equity line is still with XXXX XXXX. 

XX/XX/XXXX I began to investigate the possibility of selling the house, and perhaps on a short sale basis, in case my liability on the XXXX loans turned out to be greater than the value of the house. 

On XXXX, XXXX date I was informed during a call to Green Tree that the house had been foreclosed on by Green Tree, the holder of the XXXX mortgage. I have no documentation to to support this. 

At that time, the balance due on the first mortgage was approximately {$100000.00} and the balance due on the XXXX mortgage was approximately {$120000.00}. The fair market value of the house at that time was more than {$200000.00}. 

I have repeatedly asked Green Tree for an accounting of the proceeds of the sale, but have been unable to obtain any information about how much the house was sold for, to whom, or on what date. No transfer deed has ever been recorded in the public records. 

On or about XXXX XXXX, I was contacted by XXXX XXXX XXXX who represented that he had bought the house at the foreclosure sale, and asked me to sign a quitclaim deed in exchange for ( {$1000.00}? ). I do n't know if he is the actual buyer or a fraudster. 

At this stage, I do not know if I am still the owner of the property, or whether it has been sold. If it was sold, I do n't know whether is was sold for anything like the fair market value. I fear that the XXXX mortgage holder may have sold the property for far less than its actual value - enough to cover some or all of their loan, but not the XXXX mortgage, for which I would still be on the hook. 

I am writing because I have been unable to get answers to my questions from ( Greentree ) and its representatives, and I do n't know what to do next. At a minimum, I would like to know whether the house was sold, when, and for how much. 

If the house is still mine, then I would like to arrange a sale, possibly a short sale, that would take care of both loans. If I have no further ownership, I would like to know. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian XXXX XXXX reported that my XX/XX/XXXX payment on my XXXX XXXX XXXX lease for a black XX/XX/XXXX Sorento was 30-60 days late. The attached shows that I do not have a payment due until XXXX XXXX and that I paid the payment due XXXX on XX/XX/XXXX, the payment due on XXXX was paid on XX/XX/XXXX, the payment due on XXXX was paid on XX/XX/XXXX and the payment due on XXXX was paid on XX/XX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Only XXXX XXXX, 2015, I ordered furniture through Macy 's that was special order which came with a fee of {$480.00}. Then on XXXX XXXX, 2015, I cancelled the ordered and went with the furniture that was n't special order. I was told by the company that I will receive a full refund of {$480.00} within 3 business days. I have called several times and spoke to my sales person and several supervisors at the Macy 's credit department and still I have n't received a credit on my account. Many of the supervisor indicate that they will call me back but do n't. They are n't answering my calls when I call them. I have sent XXXX emails, I have called approximately XXXX times and spoken to XXXX supervisors and each XXXX state it will be credited on my account within 3 days and nothing has been done. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have recently found information that XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX as individuals and Representative ( s ) or Agent ( s ) of Fisher Law Group have submitting false evidence under the penalty of perjury into the XXXX Court XXXX XXXX XXXX XXXX. Fisher Law Group has foreclosed on the subject property in 2013 using the name of the original Secured Party Creditor and a license number that expired in XXXX XXXX XXXX XXXX XXXX XXXX Substitute Trustee under the penalty of perjury affirmed that the purchase of the subject property was fairly sold and bought at a fair price. The subject property was purchased by Fisher Law Group, PLLC, XXXX XXXX XXXX and auctioned by Auctioneer XXXX XXXX XXXX for XXXX Action. I have reason to believe the bidding and auction of the subject property were rigged by XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX. Sworn Affidavits filed in case number XXXX to also include the Assignment of Deed of Trust, the Deed of Appointment of Substitute Trustee and the Writ of Possession and Eviction filed by the Defendant XXXX XXXX XXXX of XXXX are in fact willful and deceptive violations of XXXX U.S.C. XXXX ( XXXX XXXX, XXXX U.S.C. XXXX ( XXXX XXXX, XXXX U.S.C. XXXX ( XXXX XXXX and XXXX U.S.C. XXXX. There are many irregularities in the assignment of DEED OF TRUST and the process in which such DEED OF TRUST was allegedly transferred, conveyed, assigned, sold, recorded, etc. As asserted, these defects left the foreclosing entities without authenticating documentation to the property and without the authority to foreclose. 

Company response: Company chooses not to provide a public response
Consumer complaint: I deposit a check payable by XXXX Bank and issued to me XXXX using a Bank of America ATM on XXXX15 to my Bank of America account. I checked my account on Saturday and it reflected no hold on my account. This morning XXXX/XXXX/15, I logged into my Bank of America account stating a hold was placed on my account and I was being notified by mail. Meanwhile I have a contractor coming to my house that I need to make a payment so he can start repairs to my home. That check I deposited is for the repairs to m home. I called Bank of America I was told the funds would not be available until XXXX/XXXX/15. I was under the understanding that banks are not allowed to hold funds for that long. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have recently found information that XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX as individuals and Representative ( s ) or Agent ( s ) of XXXX XXXX XXXX have submitting false evidence under the penalty of perjury into the Circuit Court of XXXX XXXX County. XXXX XXXX XXXX has foreclosed on the subject property in XX/XX/XXXX using the name of the original XXXX and a license number that expired in XX/XX/XXXX.XXXX XXXX XXXX of XXXX under the penalty of perjury affirmed that the purchase of the subject property was fairly sold and bought at a fair price. The subject property was purchased by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and auctioned by Auctioneer XXXX XXXX XXXX for XXXX. I have reason to believe the bidding and auction of the subject property were rigged by XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX. Sworn Affidavits filed in case number XXXX to also include the Assignment of Deed of Trust, the Deed of Appointment of Substitute Trustee and the Writ of Possession and Eviction filed by the Defendant XXXX XXXX XXXX of XXXX are in fact willful and deceptive violations of 15 U.S.C. 1692e ( 13 ), 15 U.S.C. 1692f ( 6 ), 15 U.S.C. 1692e ( 4 ) and 18 U.S.C. 1621. There are many irregularities in the assignment of DEED OF TRUST and the process in which such DEED OF TRUST was allegedly transferred, conveyed, assigned, sold, recorded, etc. As asserted, these defects left the foreclosing entities without authenticating documentation to the property and without the authority to foreclose. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is my XXXX complaint against Wells Fargo student loans as my XXXX complaint and their response was not sufficient. I am the cosigner and the main borrow is not paying the loan even though ordered in the divorce decree and I sent this paperwork to Wells Fargo. I asked Wells Fargo to send me a monthly bill since I am and have been the only XXXX paying it the entire life of the loan. They sent me their policy stating they are not allowed to send XXXX bills. So I asked to not send the main borrower XXXX just me so I am aware when it is due before it is late with a late fee which is the only time I 'm notified of the bill. So I do n't have a chance to pay it on time at all only aware once it is late and with a late fee. The XXXX late payments on the account in the last 6 months have dropped my credit score almost XXXX points. The rest of the loan in over 3 years never a late payment. I am asking that in goodwill these late payments be removed and this removed from my credit as it is evident I have been trying to be proactive in being notified of this bill to pay it timely, have paid it timely and the associated late fees, and be sent the bill from here on out so they will continue to be paid on time. I have spent countless hours in the last 6 months on the phone with numerous Wells Fargo employees with no resolve. Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: Our mortgage with XXXX was purchased by Green Tree in approximately XX/XX/XXXX. We had loan modification completed with Green Tree during this time. We have made payments on time to Green Tree since then. Green Tree is now DiTech. We made a late payment for XX/XX/XXXX. DiTech is in violation of FDCP Act, Section 806, # 5 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ) ; Section 805, # 2 and 3 ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. ; and has physically delivered a notice to call them on our property not through U.S. mail or any other delivery service. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i, let my family member get service with XXXX several years ago. they ran up a bill .i did n't know until collection agency sent letter .after the second XXXX i payed a settlement. now the third XXXX wants more money. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I filed an complaint with Barclays bank of XXXX on XX/XX/2015, I advised Barclays that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Barclays are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Barclays company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Barclays are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Barclays fail to respond in writing, signed by hand, in a timely manner, I will assume that Barclays are in error and this matter will be challenged. As Baclays further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Barclays claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XX/XX/2015, Barclays have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2003 I got a divorce, at the same time my husband filed for bankruptcy. Shortly after I had a judgement on my credit report for a debt XXXX for my X husband 's credit card. I disputed for years finally it was off my credit. Recently the debt collector filed a writ of revival. I tried to hire a lawyer however the cost of lawyer was more than the debt. This is not my debt, I never gave them my social security number. At this point I do n't know what to do. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was contacted by Amsher Collection Agency via phone. I verbally requested the details of the debt mailed to me. The caller requested my credit card information after refusing to give me any details, stating only that this was for a previous debt and that I had already received written communication. I stated that I had not received any form of written communication showing I owed a debt, but that I would definitely pay if I truly owed anything. I again requested the details of the debt mailed to me, only to have the caller insult me and demand my credit card information. I once again requested the details of the debt mailed to me, requested that my phone number be put on their " do not call '' list, and disconnected. 
I have been receiving XXXX to XXXX calls a day, Monday through Friday, from Amsher Collection Agency. I have sent XXXX certified letters requesting the details of the debt as well as placing my phone number on their " do not call '' list. The harassment from Amsher Collection Agency has not ceased. 

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